Applications / Mortgage Analytics / Lenders / Vermont / Northfield Savings Bank
Northfield, VT · Savings institution · FDIC · $1.6 billion assets · 225 loans in 2025
Northfield Savings Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
225
loans originated, 2025
319
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Northfield Savings Bank lends only in Vermont, and it held its place in Burlington-South Burlington in 2025 even as its loan count fell by 12%.
It made 225 loans, down from 257, while similar lenders (savings institutions making between half and twice as many loans) typically grew by 8%. Its change was lower than at about nine in ten of them. Yet the money it lent rose, from $87.3 million to $94.1 million.
In Burlington-South Burlington, VT it ranks 12 of 146 lenders, and its share edged up to 2.8%. EastRise Federal Credit Union leads that market. It also ranks 12 in non-metro Vermont. It has lent in both since its first report in 2004.
Purchases were 60.9% of its loans and home improvement 18.2%. Its typical rate of 6.50% matched similar lenders', and none of its loans were higher-priced (a rate well above the average for similar loans).
Low- and moderate-income (LMI) neighborhoods took 7.2% of its loans, against 15.8% at similar lenders, among the lowest tenth. None were in majority-minority neighborhoods. Its 12 counties, all in one state, may contain few such neighborhoods. Its share to LMI borrowers rose to 21.5%.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Northfield Savings Bank took 319 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 60.9% · Home improvement 18.2% · Refinance 15.1% · Other 5.8%
Conventional 99.1% · VA 0.9% · of 225 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 | 225 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Burlington-South Burlington | 66 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300D7AV8NGI6N3S98 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 520003 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 314140 | 2004–2017 |
Established 21 November 1867. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: Northfield Savings Bank's data.
Northfield Savings Bank's data
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