Current Vermont Mortgage Rates
Average market rates for December 05, 2025 in Vermont are 6.37% for 30-year fixed purchase and 6.40% for 30-year fixed refinance
| Product | Rate | APR |
|---|
| 30-year Fixed Purchase | 6.37% | 6.40% |
| 30-year Fixed Refinance | 6.40% | 6.42% |
Rates based on market averages as of Dec 04, 2025.Mortgage Rate Trends in Vermont
| Product | Rate | APR |
|---|
| 30-year Fixed Purchase | 6.37% | 6.40% |
| 30-year Fixed Refinance | 6.40% | 6.42% |
Rates based on market averages as of Dec 04, 2025.Vermont Purchase Rates
| Product | Rate | APR |
|---|
| 15-year Fixed Purchase | 5.44% | 5.49% |
| 15-year Fixed Jumbo Purchase | 5.64% | 5.65% |
| 30-year Fixed Purchase | 6.37% | 6.40% |
| 30-year Fixed Jumbo Purchase | 6.42% | 6.42% |
Rates based on market averages as of Dec 04, 2025.Vermont Refinance Rates
| Product | Rate | APR |
|---|
| 15-year Fixed Refinance | 5.43% | 5.47% |
| 15-year Fixed Jumbo Refinance | 5.67% | 5.68% |
| 30-year Fixed Refinance | 6.40% | 6.42% |
| 30-year Fixed Jumbo Refinance | 6.52% | 6.54% |
Rates based on market averages as of Dec 04, 2025.Vermont ARM Rates
| Product | Rate | APR |
|---|
| 5/6 Arm (purchase) | 6.06% | 6.09% |
| 5/6 Arm (refinance) | 6.03% | 6.06% |
| 5/6 Jumbo Arm (purchase) | 5.87% | 5.88% |
| 5/6 Jumbo Arm (refinance) | 5.91% | 5.92% |
Rates based on market averages as of Dec 04, 2025.How we source rates and rate trends
×
Rate data in the charts and tables above comes from
RateUpdate.com.
The displayed rates come from multiple providers and represent market averages. Your mortgage rate will differ
based on individual factors like your credit score as well as differing loan types and terms offered by lenders.
Most Common Mortgage Types in Vermont
- Conventional: 5,593 loans
- FHA: 503 loans
- USDA: 61 loans
- VA: 362 loans
Top Purchase Lenders in Vermont by Volume
- New England Federal Credit Union: 951 loans
- Union Bank: 439 loans
- Unknown: 380 loans
- Northeast Home Loan, LLC: 337 loans
- Homebridge Financial Services, Inc.: 277 loans
- Rocket Mortgage, LLC: 268 loans
- Fairway Independent Mortgage Corporation: 207 loans
- Vermont Federal Credit Union: 205 loans
- Vermont State Employees: 197 loans
- Academy Mortgage Corporation: 180 loans
Top Refinance Lenders in Vermont by Volume
- New England Federal Credit Union: 448 loans
- North Country: 249 loans
- Vermont Federal Credit Union: 197 loans
- Citizens Bank: 168 loans
- Rocket Mortgage, LLC: 135 loans
- Community Bank: 117 loans
- Vermont State Employees: 73 loans
- Unknown: 67 loans
- Td Bank: 60 loans
- Manufacturers And Traders Trust Company: 54 loans
Top Cash-Out Refinance Lenders in Vermont by Volume
- Rocket Mortgage, LLC: 557 loans
- New England Federal Credit Union: 249 loans
- Vermont State Employees: 163 loans
- Unknown: 140 loans
- North Country: 115 loans
- Loandepot.com, LLC: 96 loans
- Nationstar Mortgage LLC: 80 loans
- Northfield Savings Bank: 73 loans
- Union Bank: 73 loans
- Vermont Federal Credit Union: 67 loans
How we source lender data
Meet the Author
The Refi.com team is compiled of journalists, editors, and mortgage industry professionals to ensure you have the most accurate information on mortgage refinancing.
