Applications / Mortgage Analytics / Lenders / Vermont / National Bank of Middlebury
Middlebury, VT · National bank · OCC · $557 million assets · 116 loans in 2025
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116
loans originated, 2025
156
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
National Bank of Middlebury, a Vermont purchase lender, made 116 loans in 2025, 8% fewer than in 2024 and about a third of its 375 in 2020.
Originations fell 8%, while similar lenders (national banks making between half and twice as many loans) grew 5% and the whole market 10%. Its growth was lower than at more than three in four of them. It has made fewer loans every year since 2020.
Home purchases made up 71.6% of its loans, all of them conventional. Its typical loan, $240,000, was larger than at more than two-thirds of similar lenders, whose typical loan was $185,000.
Low- and moderate-income (LMI) areas took 0.9% of its loans, against 15.2% at similar lenders, among the lowest of them. It lends in seven Vermont counties, and how few LMI areas those counties hold may account for much of the gap. LMI borrowers took 14.8%, against 24.1%, which may reflect its larger typical loan.
In Burlington-South Burlington it ranks 47 of 146 lenders, with 0.2%, down 0.2 points; EastRise Federal Credit Union leads. Its own smaller volume may account for the drop.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. National Bank of Middlebury took 156 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 71.6% · Refinance 12.9% · Home improvement 11.2% · Other 4.3%
Conventional 100.0% · of 116 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Vermont | 116 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Burlington-South Burlington | 10 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493004R22HRZXTXSR64 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 173306 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 11195 | 2009–2017 |
Established 9 November 1831. Reported under HMDA 2009-2025.
Mergers, name changes, data editions and corrections: National Bank of Middlebury's data.
National Bank of Middlebury's data
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National Bank of Middlebury and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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