Applications / Mortgage Analytics / Lenders / Vermont / Peoples Trust Company of St. Albans
Saint Albans, VT · State non-member bank · FDIC · $384 million assets · 165 loans in 2025
Peoples Trust Company of St. Albans's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
165
loans originated, 2025
208
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Peoples Trust Company of St. Albans, a Vermont bank, lends more in poorer neighborhoods than more than nine in ten similar lenders, and is gaining ground in Burlington.
Low- and moderate-income (LMI) neighborhoods took 40.0% of its loans, up from 26.5% in 2024. That is a higher share than at more than nine in ten similar lenders (state non-member banks making between half and twice as many loans), where the typical share is 17.3%. LMI borrowers took 36.6%, more than at about four in five of them.
Burlington-South Burlington, where it has lent since at least 1990, is its largest market. Its share there rose from 2.4% to 3.0%, and it ranks 11 of 146 lenders. EastRise Federal Credit Union leads, with Passumpsic Bank second. All its lending is in 6 Vermont counties.
Its loan count rose 9%, to 165 from 152, about in line with the 10% at similar lenders. Its dollar total rose faster, to $49.9 million from $34.4 million, because its typical loan grew from $205,000 to $255,000. That is bigger than at about four in five similar lenders. Purchases made up 60.0% of its loans.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Peoples Trust Company of St. Albans took 208 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 60.0% · Refinance 19.4% · Other 11.5% · Home improvement 9.1%
Conventional 98.8% · USDA (RHS or FSA) 1.2% · of 165 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 | 165 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Burlington-South Burlington | 157 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493006WZJUEUK1TVM53 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 463605 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 314168 | 1990–2017 |
Established 12 November 1866. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Peoples Trust Company of St. Albans's data.
Peoples Trust Company of St. Albans's data
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Peoples Trust Company of St. Albans 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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