Bennington Mortgage Rates & Closing Costs

30yr Fixed Rate 15yr Fixed Rate FHA USDA VA 5/1 ARM

30 Year Fixed Rate mortgages in Bennington averaged 6.65% 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 6.88% and one month ago for the week of 2025-05-15, the average rate was 6.75%.

Bennington's average rate one year ago was 6.79%.

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%
Bennington 30 Year Fixed Rate 2025-06-18 6.65%
Bennington 30 Year Fixed Rate Refi 2025-06-18 7.01%
Bennington 15 Year Fixed Rate 2025-06-18 6.16%
Bennington 15 Year Fixed Rate Refi 2025-06-18 6.16%
Bennington 30 Year FHA 2025-06-18 0.1%
Bennington 30 Year FHA Refi 2025-06-18 -0.2%
Bennington 30 Year USDA 2025-06-18 0.2%
Bennington 30 Year USDA Refi 2025-06-18 0.2%
Bennington 30 Year VA 2025-06-18 0.1%
Bennington 30 Year VA Refi 2025-06-18 0.2%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Bennington, VT.

Bennington 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 Bennington, 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.).

Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
QUICKEN LOANS, LLC 29 6.75% $7,528
Advisors Mortgage Group, L.L.C. 14 7.25% $7,870
EMM LOANS LLC 12 6.89% $7,078
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 10 7.12% $6,445
NEW ENGLAND FEDERAL CREDIT UNION 7 6.39% $4,076
NORTHEAST HOME LOAN, LLC 7 7.30% $7,394
Community Bank 7 7.14% $2,291
GREYLOCK 6 6.83% $4,173
Bank of America 6 6.73% $6,126
Adams Community Bank 5 6.63% $3,410
Citizens Bank 4 6.84% $5,783
TD Bank 4 6.91% $4,226
UBS Bank USA 4 6.31% $5,988
Citibank 4 5.97% $7,571
LOANDEPOT.COM, LLC 4 6.94% $7,707
M&T Bank 4 6.28% $5,632
JPMorgan Chase Bank 4 6.59% $3,754
PRIMELENDING, A PLAINSCAPITAL COMPANY 3 6.74% $5,899
HOMESTEAD FUNDING CORP. 3 6.79% $3,594
CMG MORTGAGE, INC. 2 6.56% $6,034
MountainOne Bank 2 6.44% $4,353
NEWREZ LLC 2 6.69% $6,122
CROSSCOUNTRY MORTGAGE, LLC 2 7.04% $12,493
NFM, INC. 2 7.75% $22,093
The Federal Savings Bank 2 7.56% $3,027
Berkshire Bank 2 6.63% $3,365
TrustCo Bank 2 6.56% $2,372
Union Bank 2 7.06% $8,940
GUILD MORTGAGE COMPANY 2 6.06% $5,819
Vermont Federal Credit Union 2 5.75% $3,916
Wells Fargo Bank 2 5.88% $7,391
KeyBank 2 6.31% $4,856
Mascoma Bank 2 7.00% $8,077
Morgan Stanley Private Bank 2 5.85% $6,200
WILLIAM RAVEIS MORTGAGE, LLC 1 7.63% $8,553
Axos Bank 1 7.50% $1,733
BROKER SOLUTIONS, INC. 1 7.38% $9,880
Cf Bank 1 7.62% $13,028
Farm Credit East, ACA 1 7.15% $6,075
FREEDOM MORTGAGE CORPORATION 1 7.63% $8,015
Goldman Sachs Bank USA 1 6.40% $8,662
HARBORONE MORTGAGE, LLC 1 7.63% $5,042
Home Loan Investment Bank, F.S.B. 1 6.99% $6,017
Mortgage Research Center, LLC 1 5.99% $10,139
Mr. Cooper ( Nationstar Mortgage ) 1 7.63% $6,208
MUTUAL OF OMAHA MORTGAGE, INC. 1 6.38% $7,675
NAVY FEDERAL CREDIT UNION 1 6.63% $15,429
NBKC BANK 1 7.38% $4,685
Northwest Community Bank 1 6.13% $6,320
PENNYMAC LOAN SERVICES, LLC 1 6.38% $14,906
PRIMARY RESIDENTIAL MORTGAGE, INC. 1 6.88% $11,337
UNITED WHOLESALE MORTGAGE, LLC 1 7.63% $3,657
USAA Federal Savings Bank 1 6.13% $6,111
U.S. Bank 1 5.88% $7,272
US MORTGAGE CORPORATION 1 6.88% $8,682

Bennington Average Closing Costs & Other Stats

Bennington, VT's 55 lenders originated 447 loans during 2024. The total origination value was $115,655,000, with an average loan value of $258,736.

Bennington's average closing costs are $5,380.

The top Bennington lender as defined by loan originations is QUICKEN LOANS, LLC, with 29 loans originated. Their average total fees are $7,528, which is $342 lower than the next largest lender, Advisors Mortgage Group, L.L.C..

The lowest fee Bennington lenders (with over 10 loans originated) are FAIRWAY INDEPENDENT MORTGAGE CORPORATION ($6,445), EMM LOANS LLC ($7,078), QUICKEN LOANS, LLC ($7,528), Advisors Mortgage Group, L.L.C. ($7,870) and .

The lowest rate Bennington lenders (with over 10 loans originated) are QUICKEN LOANS, LLC (6.75%), EMM LOANS LLC (6.89%), FAIRWAY INDEPENDENT MORTGAGE CORPORATION (7.12%), Advisors Mortgage Group, L.L.C. (7.25%) and .

Bennington, 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
QUICKEN LOANS, LLC $7,290,000 $11,260,000 54.5% 9.7%
Bank of America $6,075,000 $6,495,000 6.9% 5.6%
Advisors Mortgage Group, L.L.C. $6,395,000 $5,725,000 -10.5% 5.0%
EMM LOANS LLC $2,210,000 $5,355,000 142.3% 4.6%
Citibank $3,290,000 $4,330,000 31.6% 3.7%
Citizens Bank $3,015,000 $3,860,000 28.0% 3.3%
Community Bank $2,260,000 $3,555,000 57.3% 3.1%
Berkshire Bank $3,045,000 $3,465,000 13.8% 3.0%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $5,105,000 $3,435,000 -32.7% 3.0%
M&T Bank $3,365,000 $3,380,000 0.4% 2.9%
NEW ENGLAND FEDERAL CREDIT UNION $6,365,000 $3,365,000 -47.1% 2.9%
GREYLOCK $3,535,000 $3,080,000 -12.9% 2.7%
TD Bank $2,180,000 $2,910,000 33.5% 2.5%
Mortgage Research Center, LLC $3,305,000 $2,890,000 -12.6% 2.5%
JPMorgan Chase Bank $2,630,000 $2,690,000 2.3% 2.3%
NORTHEAST HOME LOAN, LLC $3,120,000 $2,305,000 -26.1% 2.0%
HOMESTEAD FUNDING CORP. $2,145,000 n/a 1.9%
UBS Bank USA $2,140,000 n/a 1.9%
LOANDEPOT.COM, LLC $780,000 $2,035,000 160.9% 1.8%
Union Bank $5,080,000 $2,020,000 -60.2% 1.7%
Mascoma Bank $3,365,000 $2,005,000 -40.4% 1.7%
Morgan Stanley Private Bank $315,000 $1,885,000 498.4% 1.6%
Goldman Sachs Bank USA $1,815,000 n/a 1.6%
MEMBERS ADVANTAGE COMMUNITY CREDIT UNION $730,000 $1,585,000 117.1% 1.4%
NAVY FEDERAL CREDIT UNION $405,000 $1,500,000 270.4% 1.3%
PRIMELENDING, A PLAINSCAPITAL COMPANY $845,000 $1,340,000 58.6% 1.2%
CMG MORTGAGE, INC. $925,000 $1,320,000 42.7% 1.1%
Adams Community Bank $2,710,000 $1,245,000 -54.1% 1.1%
Vermont Federal Credit Union $1,350,000 $1,230,000 -8.9% 1.1%
The Federal Savings Bank $795,000 $1,210,000 52.2% 1.0%
TrustCo Bank $680,000 $1,055,000 55.1% 0.9%
NFM, INC. $1,020,000 n/a 0.9%
CROSSCOUNTRY MORTGAGE, LLC $285,000 $985,000 245.6% 0.9%
USAA Federal Savings Bank $235,000 $910,000 287.2% 0.8%
NEWREZ LLC $850,000 n/a 0.7%
MountainOne Bank $220,000 $810,000 268.2% 0.7%
HOMEBRIDGE FINANCIAL SERVICES, INC. $185,000 $805,000 335.1% 0.7%
KeyBank $455,000 $790,000 73.6% 0.7%
PENNYMAC LOAN SERVICES, LLC $475,000 $790,000 66.3% 0.7%
Glens Falls National Bank and Trust Company $115,000 $785,000 582.6% 0.7%
US MORTGAGE CORPORATION $765,000 n/a 0.7%
UNITED WHOLESALE MORTGAGE, LLC $1,140,000 $725,000 -36.4% 0.6%
AMERISAVE MORTGAGE CORPORATION $630,000 $710,000 12.7% 0.6%
U.S. Bank $2,840,000 $710,000 -75.0% 0.6%
Cf Bank $705,000 n/a 0.6%
GUARANTEED RATE, INC. $505,000 $705,000 39.6% 0.6%
Stifel Bank and Trust $605,000 n/a 0.5%
Mr. Cooper ( Nationstar Mortgage ) $245,000 $580,000 136.7% 0.5%
GUILD MORTGAGE COMPANY $225,000 $530,000 135.6% 0.5%
LAKEVIEW LOAN SERVICING, LLC $530,000 n/a 0.5%
NBKC BANK $345,000 $525,000 52.2% 0.5%
Northwest Community Bank $505,000 n/a 0.4%
Wells Fargo Bank $2,055,000 $500,000 -75.7% 0.4%
Monson Savings Bank $485,000 n/a 0.4%
WILLIAM RAVEIS MORTGAGE, LLC $435,000 n/a 0.4%
ZILLOW HOME LOANS, LLC $415,000 n/a 0.4%
BROKER SOLUTIONS, INC. $745,000 $410,000 -45.0% 0.4%
PRIMARY RESIDENTIAL MORTGAGE, INC. $395,000 $385,000 -2.5% 0.3%
HARBORONE MORTGAGE, LLC $365,000 n/a 0.3%
Farm Credit East, ACA $1,510,000 $315,000 -79.1% 0.3%
FREEDOM MORTGAGE CORPORATION $255,000 $300,000 17.6% 0.3%
CREDIT UNION MORTGAGE ASSOCIATION, INC. $285,000 n/a 0.2%
NBT Bank $285,000 n/a 0.2%
Premium Mortgage Corporation $255,000 n/a 0.2%
Citadel Servicing Corporation $205,000 n/a 0.2%
LENDINGONE, LLC $205,000 n/a 0.2%
WINGS FINANCIAL $205,000 n/a 0.2%
SPRING EQ, LLC $65,000 $185,000 184.6% 0.2%
Carrington Mortgage Services, LLC $125,000 $180,000 44.0% 0.2%
BETTER MORTGAGE CORPORATION $175,000 n/a 0.2%
Home Loan Investment Bank, F.S.B. $155,000 n/a 0.1%
VILLAGE CAPITAL MORTGAGE $155,000 n/a 0.1%
RELIANCE FIRST CAPITAL, LLC $380,000 $145,000 -61.8% 0.1%
School Systems FCU $145,000 n/a 0.1%
Axos Bank $125,000 n/a 0.1%
Discover Bank $120,000 n/a 0.1%
CARDINAL FINANCIAL $315,000 $115,000 -63.5% 0.1%
Community National Bank $115,000 $115,000 0.0% 0.1%
MUTUAL OF OMAHA MORTGAGE, INC. $985,000 $105,000 -89.3% 0.1%
NORTH COUNTRY $75,000 $105,000 40.0% 0.1%
Connexus Credit Union $95,000 n/a 0.1%
PNC Bank $205,000 $55,000 -73.2% 0.0%
Figure Lending LLC $510,000 $45,000 -91.2% 0.0%

Bennington's top lender by overall market share is QUICKEN LOANS, LLC, with 9.7% market share. In second place, with 5.6%, is Bank of America, having originated $6,495,000 in loans. In third place, with 5.0%, is Advisors Mortgage Group, L.L.C., having originated $5,725,000 in loans. In fourth place, with 4.6%, is EMM LOANS LLC, having originated $5,355,000 in loans. In fifth place, with 3.7%, is Citibank, having originated $4,330,000 in loans.

Bennington, VT Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 219 $74,575,000 $340,525
Cash Out Refi 65 $12,655,000 $194,692
Home Improvement 60 $6,120,000 $102,000
Other 57 $10,115,000 $177,456
Refi 46 $12,190,000 $265,000

Bennington's most frequently cited loan purpose was Home Purchase, with 219 originations. The 2nd most popular reason was Cash Out Refi, with 65 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
6-7% 175 $53,075,000 $303,286
7-8% 117 $30,115,000 $257,393
Over 8% 75 $9,455,000 $126,067
5-6% 63 $18,805,000 $298,492
4-5% 9 $3,285,000 $365,000
<2.5% 4 $40,000 $10,000
3-4% 3 $395,000 $131,667

During 2024, Bennington's most frequently originated rate bucket was 6-7%, with 175 originations.

Loan Sizing (Bennington, VT MSA)

Loan Size Originations Total Value Average Loan
$200k-400k 150 $41,370,000 $275,800
$100k-200k 119 $17,045,000 $143,235
$100,000 or less 99 $5,545,000 $56,010
$400k-600k 45 $20,935,000 $465,222
$600k-1000k 23 $16,395,000 $712,826
$Over $1MM 11 $14,365,000 $1,305,909

Bennington's loan sizing saw the bucket of loans from $200k-400k with 150 originations, totaling $41,370,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 123 $43,825,000 $356,301
60-80% 95 $36,065,000 $379,632
Under 20% 77 $5,505,000 $71,494
20-40% 76 $11,960,000 $157,368
40-60% 63 $13,955,000 $221,508
Over 100% 6 $2,300,000 $383,333

Bennington's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 123 originations, totaling $43,825,000 in origination value.