Barre Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Barre averaged
6.54%
for the week of 2025-06-18, compared to the national average of
6.81% for the same period.
The average rate for the prior week (2025-06-12) was
6.87% and
one month ago for the week of 2025-05-15, the
average rate was 6.64%.
Barre's average rate one year ago was 6.68%.
For refis of the same type during the week of 2025-06-18, the average rate
was 7.01%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-06-18 | 6.81% |
| Barre 30 Year Fixed Rate | 2025-06-18 | 6.54% |
| Barre 30 Year Fixed Rate Refi | 2025-06-18 | 7.01% |
| Barre 15 Year Fixed Rate | 2025-06-18 | 5.96% |
| Barre 15 Year Fixed Rate Refi | 2025-06-18 | 6.06% |
| Barre 30 Year FHA | 2025-06-18 | 0.2% |
| Barre 30 Year FHA Refi | 2025-06-18 | 0.1% |
| Barre 30 Year USDA | 2025-06-18 | -0.1% |
| Barre 30 Year USDA Refi | 2025-06-18 | -0.2% |
| Barre 30 Year VA | 2025-06-18 | -0.2% |
| Barre 30 Year VA Refi | 2025-06-18 | 0.1% |
Barre Top Lenders by Rates & Fees
The below table looks at the consensus average rates and fees provided by each lender, for only loans originated in the Barre, VT market. This includes FHA, Conventional, USDA and VA loans, as well as refis. All terms in the below chart are 30 year fixed rate. Unless noted otherwise, other data is all inclusive (FHA, ARM, 15-yr, etc.).
Barre Average Closing Costs & Other Stats
Barre, VT's 57 lenders originated 1,204
loans during 2024. The total origination value was $274,640,000, with an average loan value of
$228,106.
Barre's average closing costs are $4,766.
The top Barre lender as defined by loan originations is NEW ENGLAND FEDERAL CREDIT UNION, with
74 loans originated. Their average total fees are
$4,495, which is $421
higher than the next largest lender,
Northfield Savings Bank.
The lowest fee Barre lenders (with over 10 loans originated) are
Community Bank ($2,510), Vermont Federal Credit Union ($3,757), NORTH COUNTRY ($4,038), Northfield Savings Bank ($4,074) and NEW ENGLAND FEDERAL CREDIT UNION ($4,495).
The lowest rate Barre lenders (with over 10 loans originated) are
Vermont Federal Credit Union (5.78%), NEW ENGLAND FEDERAL CREDIT UNION (6.33%), Northfield Savings Bank (6.40%), GUILD MORTGAGE COMPANY (6.45%) and EMM LOANS LLC (6.62%).
Barre, VT Mortgage Market Share & Volume
Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.
| Name | 2023 Loan Value | 2024 Loan Value | % Change | 2024 Market Share |
|---|---|---|---|---|
| NEW ENGLAND FEDERAL CREDIT UNION | $35,295,000 | $44,725,000 | 26.7% | 16.3% |
| Northfield Savings Bank | $23,760,000 | $34,640,000 | 45.8% | 12.6% |
| NORTHEAST HOME LOAN, LLC | $18,570,000 | $25,395,000 | 36.8% | 9.2% |
| QUICKEN LOANS, LLC | $10,405,000 | $18,280,000 | 75.7% | 6.7% |
| EMM LOANS LLC | $3,285,000 | $14,670,000 | 346.6% | 5.3% |
| NORTH COUNTRY | $11,385,000 | $13,700,000 | 20.3% | 5.0% |
| Union Bank | $13,205,000 | $11,815,000 | -10.5% | 4.3% |
| MSA MORTGAGE, LLC | $9,365,000 | n/a | 3.4% | |
| Community National Bank | $9,325,000 | $8,100,000 | -13.1% | 2.9% |
| Vermont Federal Credit Union | $6,495,000 | $5,000,000 | -23.0% | 1.8% |
| Mascoma Bank | $6,625,000 | $4,985,000 | -24.8% | 1.8% |
| CMG MORTGAGE, INC. | $3,920,000 | $4,965,000 | 26.7% | 1.8% |
| Community Bank | $3,770,000 | $4,760,000 | 26.3% | 1.7% |
| Mortgage Research Center, LLC | $3,245,000 | $4,080,000 | 25.7% | 1.5% |
| The National Bank of Middlebury | $2,600,000 | $3,790,000 | 45.8% | 1.4% |
| M&T Bank | $1,005,000 | $3,785,000 | 276.6% | 1.4% |
| JPMorgan Chase Bank | $2,210,000 | $3,535,000 | 60.0% | 1.3% |
| Citizens Bank | $4,775,000 | $3,445,000 | -27.9% | 1.3% |
| GUILD MORTGAGE COMPANY | $3,420,000 | n/a | 1.2% | |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $5,950,000 | $3,355,000 | -43.6% | 1.2% |
| Morgan Stanley Private Bank | $1,805,000 | $2,810,000 | 55.7% | 1.0% |
| American Mortgage & Equity Consultants, Inc. | $3,085,000 | $2,440,000 | -20.9% | 0.9% |
| TD Bank | $4,290,000 | $2,215,000 | -48.4% | 0.8% |
| MOVEMENT MORTGAGE, LLC | $2,995,000 | $1,870,000 | -37.6% | 0.7% |
| UNITED WHOLESALE MORTGAGE, LLC | $1,450,000 | $1,830,000 | 26.2% | 0.7% |
| Bank of America | $1,190,000 | $1,680,000 | 41.2% | 0.6% |
| BROKER SOLUTIONS, INC. | $925,000 | $1,375,000 | 48.6% | 0.5% |
| Mr. Cooper ( Nationstar Mortgage ) | $725,000 | $1,370,000 | 89.0% | 0.5% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $905,000 | $1,345,000 | 48.6% | 0.5% |
| Farm Credit East, ACA | $830,000 | $1,340,000 | 61.4% | 0.5% |
| MEMBERS ADVANTAGE COMMUNITY CREDIT UNION | $275,000 | $1,290,000 | 369.1% | 0.5% |
| PENNYMAC LOAN SERVICES, LLC | $3,480,000 | $1,255,000 | -63.9% | 0.5% |
| NAVY FEDERAL CREDIT UNION | $310,000 | $1,250,000 | 303.2% | 0.5% |
| ONE Credit Union | $645,000 | $1,210,000 | 87.6% | 0.4% |
| Wells Fargo Bank | $1,115,000 | n/a | 0.4% | |
| CROSSCOUNTRY MORTGAGE, LLC | $335,000 | $1,105,000 | 229.9% | 0.4% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $1,845,000 | $1,090,000 | -40.9% | 0.4% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $570,000 | $1,040,000 | 82.5% | 0.4% |
| DEEPHAVEN MORTGAGE LLC | $285,000 | $965,000 | 238.6% | 0.4% |
| ZILLOW HOME LOANS, LLC | $880,000 | n/a | 0.3% | |
| NEWREZ LLC | $385,000 | $875,000 | 127.3% | 0.3% |
| LAKEVIEW LOAN SERVICING, LLC | $870,000 | n/a | 0.3% | |
| FREEDOM MORTGAGE CORPORATION | $590,000 | $790,000 | 33.9% | 0.3% |
| LOANDEPOT.COM, LLC | $1,390,000 | $715,000 | -48.6% | 0.3% |
| NBKC BANK | $420,000 | $715,000 | 70.2% | 0.3% |
| First Federal Bank | $705,000 | n/a | 0.3% | |
| U.S. Bank | $615,000 | $685,000 | 11.4% | 0.2% |
| Leader Bank | $640,000 | $670,000 | 4.7% | 0.2% |
| Carrington Mortgage Services, LLC | $805,000 | $615,000 | -23.6% | 0.2% |
| Cornerstone First Mortgage, Inc | $585,000 | n/a | 0.2% | |
| Discover Bank | $220,000 | $570,000 | 159.1% | 0.2% |
| GUARANTEED RATE, INC. | $955,000 | $565,000 | -40.8% | 0.2% |
| MEMBER FIRST MORTGAGE, LLC | $75,000 | $550,000 | 633.3% | 0.2% |
| FIRST MORTGAGE COMPANY, INC. | $540,000 | n/a | 0.2% | |
| Amalgamated Bank | $505,000 | n/a | 0.2% | |
| United Nations Federal Credit Union | $505,000 | n/a | 0.2% | |
| BAY EQUITY LLC | $455,000 | n/a | 0.2% | |
| DOMINION FINANCIAL SERVICES, LLC | $450,000 | n/a | 0.2% | |
| OceanFirst Bank | $435,000 | n/a | 0.2% | |
| RELIANCE FIRST CAPITAL, LLC | $650,000 | $410,000 | -36.9% | 0.1% |
| AMERICAN FINANCING CORPORATION | $405,000 | n/a | 0.1% | |
| GUARANTEED RATE AFFINITY, LLC | $405,000 | n/a | 0.1% | |
| AMERISAVE MORTGAGE CORPORATION | $2,260,000 | $385,000 | -83.0% | 0.1% |
| Armed Forces Bank | $385,000 | n/a | 0.1% | |
| PNC Bank | $360,000 | $360,000 | 0.0% | 0.1% |
| Citibank | $605,000 | $325,000 | -46.3% | 0.1% |
| NFM, INC. | $305,000 | n/a | 0.1% | |
| Stifel Bank and Trust | $305,000 | n/a | 0.1% | |
| USAA Federal Savings Bank | $1,195,000 | $305,000 | -74.5% | 0.1% |
| VILLAGE CAPITAL MORTGAGE | $305,000 | n/a | 0.1% | |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $1,890,000 | $285,000 | -84.9% | 0.1% |
| Prosperity Home Mortgage, LLC | $285,000 | n/a | 0.1% | |
| 21ST MORTGAGE CORPORATION | $125,000 | $275,000 | 120.0% | 0.1% |
| Figure Lending LLC | $80,000 | $270,000 | 237.5% | 0.1% |
| Northwest Community Bank | $255,000 | n/a | 0.1% | |
| PHH Mortgage Corporation | $245,000 | n/a | 0.1% | |
| The Federal Savings Bank | $65,000 | $235,000 | 261.5% | 0.1% |
| Bar Harbor Bank & Trust | $245,000 | $225,000 | -8.2% | 0.1% |
| SPIRE Credit Union | $205,000 | n/a | 0.1% | |
| NBT Bank | $255,000 | $200,000 | -21.6% | 0.1% |
| KeyBank | $1,890,000 | $165,000 | -91.3% | 0.1% |
| BETTER MORTGAGE CORPORATION | $585,000 | $155,000 | -73.5% | 0.1% |
| Paramount Residential Mortgage Group, Inc. | $225,000 | $155,000 | -31.1% | 0.1% |
| Bangor Savings Bank | $150,000 | n/a | 0.1% | |
| Service Federal Credit Union | $155,000 | $110,000 | -29.0% | 0.0% |
| AFFINITY | $95,000 | n/a | 0.0% | |
| NORTHEAST CREDIT UNION | $75,000 | $90,000 | 20.0% | 0.0% |
| Bethpage Federal Credit Union | $65,000 | n/a | 0.0% | |
| Signature Federal Credit Union | $55,000 | n/a | 0.0% | |
| Flagstar Bank, FSB | $15,000 | n/a | 0.0% |
Barre's top lender by overall market share is NEW ENGLAND FEDERAL CREDIT UNION, with 16.3% market share. In second place, with 12.6%, is Northfield Savings Bank, having originated $34,640,000 in loans. In third place, with 9.2%, is NORTHEAST HOME LOAN, LLC, having originated $25,395,000 in loans. In fourth place, with 6.7%, is QUICKEN LOANS, LLC, having originated $18,280,000 in loans. In fifth place, with 5.3%, is EMM LOANS LLC, having originated $14,670,000 in loans.
Barre, VT Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 594 | $185,460,000 | $312,222 |
| Home Improvement | 215 | $18,705,000 | $87,000 |
| Refi | 159 | $30,605,000 | $192,484 |
| Other | 119 | $13,365,000 | $112,311 |
| Cash Out Refi | 117 | $26,505,000 | $226,538 |
Barre's most frequently cited loan purpose was Home Purchase, with 594 originations. The 2nd most popular reason was Home Improvement, with 215 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 487 | $135,745,000 | $278,737 |
| 7-8% | 366 | $69,280,000 | $189,290 |
| Over 8% | 167 | $19,315,000 | $115,659 |
| 5-6% | 144 | $42,070,000 | $292,153 |
| 4-5% | 20 | $4,180,000 | $209,000 |
| <2.5% | 7 | $125,000 | $17,857 |
| 3-4% | 1 | $105,000 | $105,000 |
During 2024, Barre's most frequently originated rate bucket was 6-7%, with 487 originations.
Loan Sizing (Barre, VT MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 449 | $127,625,000 | $284,243 |
| $100,000 or less | 345 | $17,925,000 | $51,957 |
| $100k-200k | 243 | $36,395,000 | $149,774 |
| $400k-600k | 122 | $58,400,000 | $478,689 |
| $600k-1000k | 41 | $29,055,000 | $708,659 |
| $Over $1MM | 4 | $5,240,000 | $1,310,000 |
Barre's loan sizing saw the bucket of loans from $200k-400k with 449 originations, totaling $127,625,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 306 | $99,970,000 | $326,699 |
| 60-80% | 296 | $92,890,000 | $313,818 |
| Under 20% | 235 | $12,855,000 | $54,702 |
| 20-40% | 201 | $25,965,000 | $129,179 |
| 40-60% | 138 | $32,890,000 | $238,333 |
| Over 100% | 14 | $5,240,000 | $374,286 |
Barre's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 306 originations, totaling $99,970,000 in origination value.