Rutland Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Rutland averaged
6.89%
for the week of 2025-05-22, compared to the national average of
6.86% for the same period.
The average rate for the prior week (2025-05-15) was
7.04% and
one month ago for the week of 2025-04-17, the
average rate was 6.86%.
Rutland's average rate one year ago was 7.45%.
For refis of the same type during the week of 2025-05-22, the average rate
was 7.16%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-05-22 | 6.86% |
| Rutland 30 Year Fixed Rate | 2025-05-22 | 6.89% |
| Rutland 30 Year Fixed Rate Refi | 2025-05-22 | 7.16% |
| Rutland 15 Year Fixed Rate | 2025-05-22 | 5.81% |
| Rutland 15 Year Fixed Rate Refi | 2025-05-22 | 5.91% |
| Rutland 30 Year FHA | 2025-05-22 | 6.61% |
| Rutland 30 Year FHA Refi | 2025-05-22 | 6.81% |
| Rutland 30 Year USDA | 2025-05-22 | 6.63% |
| Rutland 30 Year USDA Refi | 2025-05-22 | 6.63% |
| Rutland 30 Year VA | 2025-05-22 | 6.32% |
| Rutland 30 Year VA Refi | 2025-05-22 | 6.32% |
Rutland 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 Rutland, 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.).
Rutland Average Closing Costs & Other Stats
Rutland, VT's 73 lenders originated 896
loans during 2024. The total origination value was $313,760,000, with an average loan value of
$350,179.
Rutland's average closing costs are $5,085.
The top Rutland lender as defined by loan originations is Community Bank, with
47 loans originated. Their average total fees are
$2,582, which is $4,381
lower than the next largest lender,
QUICKEN LOANS, LLC.
The lowest fee Rutland lenders (with over 10 loans originated) are
Community Bank ($2,582), NEW ENGLAND FEDERAL CREDIT UNION ($4,569), NORTHEAST HOME LOAN, LLC ($4,919), CMG MORTGAGE, INC. ($5,960) and Mascoma Bank ($6,481).
The lowest rate Rutland lenders (with over 10 loans originated) are
NORTHEAST HOME LOAN, LLC (6.35%), NEW ENGLAND FEDERAL CREDIT UNION (6.57%), GUILD MORTGAGE COMPANY (6.61%), QUICKEN LOANS, LLC (6.67%) and PRIMELENDING, A PLAINSCAPITAL COMPANY (6.69%).
Rutland, 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 |
|---|---|---|---|---|
| Northfield Savings Bank | $825,000 | $120,620,000 | 14,520.6% | 38.4% |
| QUICKEN LOANS, LLC | $16,890,000 | $18,760,000 | 11.1% | 6.0% |
| Community Bank | $14,415,000 | $17,200,000 | 19.3% | 5.5% |
| Mascoma Bank | $9,600,000 | $15,290,000 | 59.3% | 4.9% |
| NEW ENGLAND FEDERAL CREDIT UNION | $11,515,000 | $14,910,000 | 29.5% | 4.8% |
| EMM LOANS LLC | $2,015,000 | $11,375,000 | 464.5% | 3.6% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $5,150,000 | $7,515,000 | 45.9% | 2.4% |
| CMG MORTGAGE, INC. | $1,125,000 | $7,060,000 | 527.6% | 2.3% |
| TD Bank | $3,740,000 | $6,380,000 | 70.6% | 2.0% |
| GUILD MORTGAGE COMPANY | $815,000 | $5,760,000 | 606.7% | 1.8% |
| Bar Harbor Bank & Trust | $3,020,000 | $5,670,000 | 87.7% | 1.8% |
| NORTHEAST HOME LOAN, LLC | $4,445,000 | $4,610,000 | 3.7% | 1.5% |
| Citizens Bank | $7,965,000 | $4,570,000 | -42.6% | 1.5% |
| M&T Bank | $3,810,000 | $4,255,000 | 11.7% | 1.4% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $3,020,000 | $3,375,000 | 11.8% | 1.1% |
| Vermont Federal Credit Union | $1,845,000 | $3,060,000 | 65.9% | 1.0% |
| Mortgage Research Center, LLC | $4,995,000 | $2,890,000 | -42.1% | 0.9% |
| Berkshire Bank | $1,395,000 | $2,645,000 | 89.6% | 0.8% |
| The National Bank of Middlebury | $2,585,000 | $2,590,000 | 0.2% | 0.8% |
| Union Bank | $1,835,000 | $2,235,000 | 21.8% | 0.7% |
| PENNYMAC LOAN SERVICES, LLC | $715,000 | $2,015,000 | 181.8% | 0.6% |
| Community National Bank | $640,000 | $1,945,000 | 203.9% | 0.6% |
| American Mortgage & Equity Consultants, Inc. | $2,215,000 | $1,935,000 | -12.6% | 0.6% |
| USAA Federal Savings Bank | $1,335,000 | $1,910,000 | 43.1% | 0.6% |
| GUARANTEED RATE, INC. | $835,000 | $1,800,000 | 115.6% | 0.6% |
| FREEDOM MORTGAGE CORPORATION | $790,000 | $1,725,000 | 118.4% | 0.5% |
| LOANDEPOT.COM, LLC | $1,025,000 | $1,645,000 | 60.5% | 0.5% |
| Bank of America | $2,690,000 | $1,550,000 | -42.4% | 0.5% |
| PLAZA HOME MORTGAGE, INC. | $1,480,000 | n/a | 0.5% | |
| Wells Fargo Bank | $1,685,000 | $1,460,000 | -13.4% | 0.5% |
| JPMorgan Chase Bank | $3,210,000 | $1,390,000 | -56.7% | 0.4% |
| Mr. Cooper ( Nationstar Mortgage ) | $535,000 | $1,355,000 | 153.3% | 0.4% |
| NBKC BANK | $1,275,000 | n/a | 0.4% | |
| 21ST MORTGAGE CORPORATION | $405,000 | $1,260,000 | 211.1% | 0.4% |
| BROKER SOLUTIONS, INC. | $950,000 | $1,210,000 | 27.4% | 0.4% |
| Charles Schwab Bank, SSB | $265,000 | $1,195,000 | 350.9% | 0.4% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $95,000 | $1,145,000 | 1,105.3% | 0.4% |
| Farm Credit East, ACA | $275,000 | $1,085,000 | 294.5% | 0.3% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $720,000 | $1,045,000 | 45.1% | 0.3% |
| Citibank | $805,000 | $835,000 | 3.7% | 0.3% |
| Goldman Sachs Bank USA | $775,000 | n/a | 0.2% | |
| U.S. Bank | $995,000 | $760,000 | -23.6% | 0.2% |
| LAKEVIEW LOAN SERVICING, LLC | $750,000 | n/a | 0.2% | |
| BETTER MORTGAGE CORPORATION | $620,000 | $740,000 | 19.4% | 0.2% |
| CIBC Bank USA | $725,000 | n/a | 0.2% | |
| NBT Bank | $490,000 | $685,000 | 39.8% | 0.2% |
| Presidential Bank, FSB | $655,000 | n/a | 0.2% | |
| Leader Bank | $975,000 | $640,000 | -34.4% | 0.2% |
| Prosperity Home Mortgage, LLC | $605,000 | n/a | 0.2% | |
| BMO Harris Bank | $585,000 | n/a | 0.2% | |
| UBS Bank USA | $555,000 | n/a | 0.2% | |
| First Federal Bank | $530,000 | n/a | 0.2% | |
| AMERISAVE MORTGAGE CORPORATION | $375,000 | $525,000 | 40.0% | 0.2% |
| FineMark National Bank & Trust | $525,000 | n/a | 0.2% | |
| Barrington Bank & Trust Company, N.A. | $510,000 | $520,000 | 2.0% | 0.2% |
| Morgan Stanley Private Bank | $515,000 | n/a | 0.2% | |
| FIRST MORTGAGE COMPANY, INC. | $505,000 | n/a | 0.2% | |
| MOVEMENT MORTGAGE, LLC | $565,000 | $505,000 | -10.6% | 0.2% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $960,000 | $440,000 | -54.2% | 0.1% |
| PLANET HOME LENDING, LLC | $425,000 | n/a | 0.1% | |
| The Federal Savings Bank | $415,000 | n/a | 0.1% | |
| Evolve Bank & Trust | $410,000 | n/a | 0.1% | |
| LENDSURE MORTGAGE CORP. | $405,000 | n/a | 0.1% | |
| MEMBERS ADVANTAGE COMMUNITY CREDIT UNION | $235,000 | $355,000 | 51.1% | 0.1% |
| CROSSCOUNTRY MORTGAGE, LLC | $290,000 | $350,000 | 20.7% | 0.1% |
| Adams Community Bank | $345,000 | n/a | 0.1% | |
| LONGBRIDGE FINANCIAL, LLC | $310,000 | $335,000 | 8.1% | 0.1% |
| HOMESTEAD FUNDING CORP. | $325,000 | n/a | 0.1% | |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $895,000 | $315,000 | -64.8% | 0.1% |
| DOMINION FINANCIAL SERVICES, LLC | $310,000 | n/a | 0.1% | |
| Service Federal Credit Union | $205,000 | $305,000 | 48.8% | 0.1% |
| NEWREZ LLC | $300,000 | n/a | 0.1% | |
| AMERICAN FINANCING CORPORATION | $295,000 | n/a | 0.1% | |
| Stifel Bank and Trust | $295,000 | n/a | 0.1% | |
| Advisors Mortgage Group, L.L.C. | $585,000 | $275,000 | -53.0% | 0.1% |
| FBC MORTGAGE, LLC | $275,000 | n/a | 0.1% | |
| Figure Lending LLC | $135,000 | $270,000 | 100.0% | 0.1% |
| GUARANTEED RATE AFFINITY, LLC | $285,000 | $265,000 | -7.0% | 0.1% |
| Valley National Bank | $255,000 | n/a | 0.1% | |
| UNITED WHOLESALE MORTGAGE, LLC | $1,205,000 | $250,000 | -79.3% | 0.1% |
| NEXERA HOLDING LLC | $245,000 | n/a | 0.1% | |
| NAVY FEDERAL CREDIT UNION | $350,000 | $235,000 | -32.9% | 0.1% |
| Waterstone Mortgage Corporation | $175,000 | $235,000 | 34.3% | 0.1% |
| NORTH COUNTRY | $230,000 | $230,000 | 0.0% | 0.1% |
| PENTAGON FEDERAL CREDIT UNION | $215,000 | n/a | 0.1% | |
| AMERICAN FINANCIAL RESOURCES, INC. | $205,000 | n/a | 0.1% | |
| AMERICAN HERITAGE LENDING, INC. | $205,000 | n/a | 0.1% | |
| ONE Credit Union | $60,000 | $205,000 | 241.7% | 0.1% |
| TOTAL MORTGAGE SERVICES, LLC | $305,000 | $205,000 | -32.8% | 0.1% |
| MEMBER FIRST MORTGAGE, LLC | $195,000 | n/a | 0.1% | |
| RADIUS FINANCIAL GROUP INC. | $195,000 | n/a | 0.1% | |
| S&T Bank | $195,000 | n/a | 0.1% | |
| ZILLOW HOME LOANS, LLC | $195,000 | n/a | 0.1% | |
| LEADERONE FINANCIAL CORPORATION | $185,000 | n/a | 0.1% | |
| FINANCE OF AMERICA REVERSE LLC | $105,000 | $175,000 | 66.7% | 0.1% |
| EMBRACE HOME LOANS, INC. | $165,000 | n/a | 0.1% | |
| Citadel Servicing Corporation | $135,000 | n/a | 0.0% | |
| Navigant Credit Union | $135,000 | n/a | 0.0% | |
| PHH Mortgage Corporation | $350,000 | $105,000 | -70.0% | 0.0% |
| Discover Bank | $225,000 | $100,000 | -55.6% | 0.0% |
| KeyBank | $640,000 | $85,000 | -86.7% | 0.0% |
| DIGITAL Federal Credit Union | $75,000 | n/a | 0.0% | |
| BayCoast Bank | $65,000 | n/a | 0.0% | |
| Glens Falls National Bank and Trust Company | $55,000 | n/a | 0.0% | |
| ADDITION FINANCIAL | $35,000 | n/a | 0.0% | |
| PNC Bank | $1,050,000 | $25,000 | -97.6% | 0.0% |
Rutland's top lender by overall market share is Northfield Savings Bank, with 38.4% market share. In second place, with 6.0%, is QUICKEN LOANS, LLC, having originated $18,760,000 in loans. In third place, with 5.5%, is Community Bank, having originated $17,200,000 in loans. In fourth place, with 4.9%, is Mascoma Bank, having originated $15,290,000 in loans. In fifth place, with 4.8%, is NEW ENGLAND FEDERAL CREDIT UNION, having originated $14,910,000 in loans.
Rutland Housing Market Trends (Median, Average Prices & Listing Count)
Realtor.com - Rutland (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Price (YoY Change) | Average Listing Price (YoY) | MSA/US Median Price Ratio | Active Listings |
|---|---|---|---|---|
| 2018-01-01 | $199,900 (5.3%) | $305,728 (6.6%) | 0.00 | 551 |
| 2018-02-01 | $199,900 (2.1%) | $300,652 (4.1%) | 0.00 | 535 |
| 2018-03-01 | $200,000 (2.9%) | $305,341 (6.1%) | 0.00 | 521 |
| 2018-04-01 | $201,475 (2.8%) | $304,414 (5.5%) | 0.00 | 534 |
| 2018-05-01 | $203,500 (4.4%) | $298,716 (1.4%) | 0.00 | 555 |
| 2018-06-01 | $199,000 (0.0%) | $289,177 (-3.5%) | 0.00 | 608 |
| 2018-07-01 | $214,975 (7.5%) | $299,200 (-1.7%) | 0.00 | 641 |
| 2018-08-01 | $224,975 (13.1%) | $304,952 (2.5%) | 0.00 | 656 |
| 2018-09-01 | $229,000 (14.7%) | $303,646 (-0.9%) | 0.00 | 637 |
| 2018-10-01 | $229,000 (6.5%) | $309,873 (-1.5%) | 0.00 | 622 |
| 2018-11-01 | $229,125 (14.6%) | $315,100 (2.8%) | 0.00 | 590 |
| 2018-12-01 | $230,000 (15.3%) | $336,585 (12.1%) | 0.00 | 545 |
| 2019-01-01 | $230,975 (15.6%) | $346,453 (13.3%) | 0.00 | 506 |
| 2019-02-01 | $238,125 (19.1%) | $347,407 (15.6%) | 0.00 | 507 |
| 2019-03-01 | $238,857 (19.4%) | $344,632 (12.9%) | 0.00 | 509 |
| 2019-04-01 | $238,607 (18.4%) | $338,980 (11.4%) | 0.00 | 515 |
| 2019-05-01 | $235,000 (15.5%) | $333,286 (11.6%) | 0.00 | 541 |
| 2019-06-01 | $235,000 (18.1%) | $329,972 (14.1%) | 0.00 | 588 |
| 2019-07-01 | $235,000 (9.3%) | $338,360 (13.1%) | 0.00 | 597 |
| 2019-08-01 | $235,000 (4.5%) | $341,326 (11.9%) | 0.00 | 592 |
| 2019-09-01 | $235,000 (2.6%) | $341,324 (12.4%) | 0.00 | 589 |
| 2019-10-01 | $237,000 (3.5%) | $347,872 (12.3%) | 0.00 | 576 |
| 2019-11-01 | $244,000 (6.5%) | $364,441 (15.7%) | 0.00 | 509 |
| 2019-12-01 | $238,000 (3.5%) | $364,848 (8.4%) | 0.00 | 470 |
| 2020-01-01 | $228,500 (-1.1%) | $365,146 (5.4%) | 0.00 | 436 |
| 2020-02-01 | $239,000 (0.4%) | $368,760 (6.2%) | 0.00 | 409 |
| 2020-03-01 | $239,000 (0.1%) | $368,108 (6.8%) | 0.00 | 399 |
| 2020-04-01 | $245,500 (2.9%) | $373,576 (10.2%) | 0.00 | 361 |
| 2020-05-01 | $249,000 (6.0%) | $380,692 (14.2%) | 0.00 | 356 |
| 2020-06-01 | $257,875 (9.7%) | $388,823 (17.8%) | 0.00 | 352 |
| 2020-07-01 | $256,250 (9.0%) | $385,119 (13.8%) | 0.00 | 337 |
| 2020-08-01 | $250,000 (6.4%) | $393,551 (15.3%) | 0.00 | 329 |
| 2020-09-01 | $245,000 (4.3%) | $399,276 (17.0%) | 0.00 | 302 |
| 2020-10-01 | $249,000 (5.1%) | $408,077 (17.3%) | 0.00 | 305 |
| 2020-11-01 | $259,900 (6.5%) | $416,072 (14.2%) | 0.00 | 262 |
| 2020-12-01 | $249,000 (4.6%) | $434,150 (19.0%) | 0.00 | 237 |
| 2021-01-01 | $259,900 (13.7%) | $470,630 (28.9%) | 0.00 | 199 |
| 2021-02-01 | $279,250 (16.8%) | $477,333 (29.4%) | 0.00 | 161 |
| 2021-03-01 | $288,325 (20.6%) | $477,605 (29.8%) | 0.00 | 144 |
| 2021-04-01 | $290,625 (18.4%) | $512,153 (37.1%) | 0.00 | 144 |
| 2021-05-01 | $299,900 (20.4%) | $527,693 (38.6%) | 0.00 | 156 |
| 2021-06-01 | $299,225 (16.0%) | $519,176 (33.5%) | 0.00 | 168 |
| 2021-07-01 | $299,900 (17.0%) | $525,879 (36.6%) | 0.00 | 176 |
| 2021-08-01 | $324,750 (29.9%) | $560,765 (42.5%) | 0.00 | 170 |
| 2021-09-01 | $371,000 (51.4%) | $568,141 (42.3%) | 0.00 | 170 |
| 2021-10-01 | $374,000 (50.2%) | $572,742 (40.4%) | 0.00 | 147 |
| 2021-11-01 | $448,000 (72.4%) | $601,144 (44.5%) | 0.00 | 128 |
| 2021-12-01 | $404,250 (62.4%) | $640,713 (47.6%) | 0.00 | 123 |
| 2022-01-01 | $365,000 (40.4%) | $621,406 (32.0%) | 0.00 | 109 |
| 2022-02-01 | $327,500 (17.3%) | $599,213 (25.5%) | 0.00 | 106 |
| 2022-03-01 | $326,000 (13.1%) | $577,566 (20.9%) | 0.00 | 116 |
| 2022-04-01 | $335,000 (15.3%) | $572,050 (11.7%) | 0.00 | 137 |
| 2022-05-01 | $337,250 (12.5%) | $578,658 (9.7%) | 0.00 | 152 |
| 2022-06-01 | $342,250 (14.4%) | $568,072 (9.4%) | 0.00 | 172 |
| 2022-07-01 | $350,000 (16.7%) | $567,089 (7.8%) | 0.00 | 198 |
| 2022-08-01 | $354,950 (9.3%) | $566,367 (1.0%) | 0.00 | 170 |
| 2022-09-01 | $362,425 (-2.3%) | $551,501 (-2.9%) | 0.00 | 166 |
| 2022-10-01 | $319,000 (-14.7%) | $538,926 (-5.9%) | 0.00 | 164 |
| 2022-11-01 | $309,950 (-30.8%) | $581,025 (-3.4%) | 0.00 | 156 |
| 2022-12-01 | $299,000 (-26.0%) | $427,740 (-33.2%) | 0.00 | 125 |
| 2023-01-01 | $274,925 (-24.7%) | $414,967 (-33.2%) | 0.00 | 113 |
| 2023-02-01 | $260,350 (-20.5%) | $429,358 (-28.4%) | 0.00 | 113 |
| 2023-03-01 | $275,000 (-15.6%) | $429,225 (-25.7%) | 0.00 | 107 |
| 2023-04-01 | $275,000 (-17.9%) | $428,266 (-25.1%) | 0.00 | 99 |
| 2023-05-01 | $280,000 (-17.0%) | $419,751 (-27.5%) | 0.00 | 96 |
| 2023-06-01 | $336,375 (-1.7%) | $458,483 (-19.3%) | 0.00 | 106 |
| 2023-07-01 | $389,000 (11.1%) | $481,212 (-15.1%) | 0.00 | 106 |
| 2023-08-01 | $393,725 (10.9%) | $503,014 (-11.2%) | 0.00 | 113 |
| 2023-09-01 | $400,000 (10.4%) | $567,781 (3.0%) | 0.00 | 133 |
| 2023-10-01 | $412,475 (29.3%) | $549,421 (2.0%) | 0.00 | 132 |
| 2023-11-01 | $396,000 (27.8%) | $554,050 (-4.6%) | 0.00 | 124 |
| 2023-12-01 | $399,900 (33.8%) | $546,807 (27.8%) | 0.00 | 109 |
| 2024-01-01 | $396,475 (44.2%) | $538,475 (29.8%) | 0.00 | 104 |
| 2024-02-01 | $401,475 (54.2%) | $559,505 (30.3%) | 0.00 | 107 |
| 2024-03-01 | $385,000 (40.0%) | $711,967 (65.9%) | 0.00 | 121 |
| 2024-04-01 | $385,975 (40.4%) | $714,669 (66.9%) | 0.00 | 133 |
| 2024-05-01 | $432,900 (54.6%) | $729,177 (73.7%) | 0.00 | 139 |
| 2024-06-01 | $399,000 (18.6%) | $688,155 (50.1%) | 0.00 | 166 |
| 2024-07-01 | $437,450 (12.5%) | $717,351 (49.1%) | 0.00 | 188 |
| 2024-08-01 | $420,000 (6.7%) | $703,612 (39.9%) | 0.00 | 209 |
| 2024-09-01 | $421,225 (5.3%) | $697,088 (22.8%) | 0.00 | 213 |
| 2024-10-01 | $428,675 (3.9%) | $734,442 (33.7%) | 0.00 | 204 |
| 2024-11-01 | $479,450 (21.1%) | $853,655 (54.1%) | 0.00 | 184 |
| 2024-12-01 | $474,900 (18.8%) | $867,971 (58.7%) | 0.00 | 174 |
| 2025-01-01 | $499,800 (26.1%) | $905,914 (68.2%) | 0.00 | 162 |
| 2025-02-01 | $514,000 (28.0%) | $931,782 (66.5%) | 0.00 | 149 |
| 2025-03-01 | $525,000 (36.4%) | $917,565 (28.9%) | 0.00 | 149 |
| 2025-04-01 | $450,000 (16.6%) | $857,056 (19.9%) | 0.00 | 159 |
Rutland's median listing price comes in at 0% of the national average.
Rutland's average listing price for 2025-04-01 was $857,056, a difference of $142,387 (19.9%) versus the prior year and $-60,509 versus the prior month.
For the 2025-04-01 period, Rutland had 159 MLS listings, a difference of 10 listings (7%) versus the prior month and 26 listings (20%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - Rutland (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Time on Market | Median Square Footage |
|---|---|---|
| 2018-01-01 | 0 days | 1,880 sqft |
| 2018-02-01 | 0 days | 1,858 sqft |
| 2018-03-01 | 0 days | 1,867 sqft |
| 2018-04-01 | 0 days | 1,878 sqft |
| 2018-05-01 | 0 days | 1,881 sqft |
| 2018-06-01 | 0 days | 1,879 sqft |
| 2018-07-01 | 0 days | 1,933 sqft |
| 2018-08-01 | 0 days | 1,983 sqft |
| 2018-09-01 | 0 days | 2,000 sqft |
| 2018-10-01 | 0 days | 1,998 sqft |
| 2018-11-01 | 0 days | 1,992 sqft |
| 2018-12-01 | 0 days | 2,000 sqft |
| 2019-01-01 | 0 days | 2,039 sqft |
| 2019-02-01 | 0 days | 2,004 sqft |
| 2019-03-01 | 0 days | 1,994 sqft |
| 2019-04-01 | 0 days | 1,979 sqft |
| 2019-05-01 | 0 days | 1,978 sqft |
| 2019-06-01 | 0 days | 1,923 sqft |
| 2019-07-01 | 0 days | 1,914 sqft |
| 2019-08-01 | 0 days | 1,919 sqft |
| 2019-09-01 | 0 days | 1,918 sqft |
| 2019-10-01 | 0 days | 1,925 sqft |
| 2019-11-01 | 0 days | 1,965 sqft |
| 2019-12-01 | 0 days | 1,948 sqft |
| 2020-01-01 | 0 days | 1,898 sqft |
| 2020-02-01 | 0 days | 1,944 sqft |
| 2020-03-01 | 0 days | 1,947 sqft |
| 2020-04-01 | 0 days | 1,950 sqft |
| 2020-05-01 | 0 days | 1,922 sqft |
| 2020-06-01 | 0 days | 2,029 sqft |
| 2020-07-01 | 0 days | 2,143 sqft |
| 2020-08-01 | 0 days | 2,144 sqft |
| 2020-09-01 | 0 days | 1,959 sqft |
| 2020-10-01 | 0 days | 1,969 sqft |
| 2020-11-01 | 0 days | 2,073 sqft |
| 2020-12-01 | 0 days | 2,106 sqft |
| 2021-01-01 | 0 days | 2,194 sqft |
| 2021-02-01 | 0 days | 2,146 sqft |
| 2021-03-01 | 0 days | 2,198 sqft |
| 2021-04-01 | 0 days | 2,167 sqft |
| 2021-05-01 | 0 days | 2,066 sqft |
| 2021-06-01 | 0 days | 1,875 sqft |
| 2021-07-01 | 0 days | 1,805 sqft |
| 2021-08-01 | 0 days | 2,002 sqft |
| 2021-09-01 | 0 days | 2,086 sqft |
| 2021-10-01 | 0 days | 2,194 sqft |
| 2021-11-01 | 0 days | 2,194 sqft |
| 2021-12-01 | 0 days | 2,194 sqft |
| 2022-01-01 | 0 days | 2,194 sqft |
| 2022-02-01 | 0 days | 2,030 sqft |
| 2022-03-01 | 0 days | 1,912 sqft |
| 2022-04-01 | 0 days | 1,824 sqft |
| 2022-05-01 | 0 days | 1,817 sqft |
| 2022-06-01 | 0 days | 1,915 sqft |
| 2022-07-01 | 0 days | 1,920 sqft |
| 2022-08-01 | 0 days | 1,958 sqft |
| 2022-09-01 | 0 days | 2,004 sqft |
| 2022-10-01 | 0 days | 1,916 sqft |
| 2022-11-01 | 0 days | 1,994 sqft |
| 2022-12-01 | 0 days | 1,930 sqft |
| 2023-01-01 | 0 days | 1,809 sqft |
| 2023-02-01 | 0 days | 1,610 sqft |
| 2023-03-01 | 0 days | 1,760 sqft |
| 2023-04-01 | 0 days | 1,872 sqft |
| 2023-05-01 | 0 days | 1,632 sqft |
| 2023-06-01 | 0 days | 1,768 sqft |
| 2023-07-01 | 0 days | 1,800 sqft |
| 2023-08-01 | 0 days | 1,790 sqft |
| 2023-09-01 | 0 days | 1,811 sqft |
| 2023-10-01 | 0 days | 1,972 sqft |
| 2023-11-01 | 0 days | 1,881 sqft |
| 2023-12-01 | 0 days | 1,929 sqft |
| 2024-01-01 | 0 days | 1,972 sqft |
| 2024-02-01 | 0 days | 1,937 sqft |
| 2024-03-01 | 0 days | 1,828 sqft |
| 2024-04-01 | 0 days | 1,696 sqft |
| 2024-05-01 | 0 days | 1,612 sqft |
| 2024-06-01 | 0 days | 1,742 sqft |
| 2024-07-01 | 0 days | 1,814 sqft |
| 2024-08-01 | 0 days | 1,963 sqft |
| 2024-09-01 | 0 days | 1,842 sqft |
| 2024-10-01 | 0 days | 1,932 sqft |
| 2024-11-01 | 0 days | 2,160 sqft |
| 2024-12-01 | 0 days | 2,364 sqft |
| 2025-01-01 | 0 days | 2,394 sqft |
| 2025-02-01 | 0 days | 2,264 sqft |
| 2025-03-01 | 0 days | 2,340 sqft |
| 2025-04-01 | 0 days | 2,110 sqft |
Rutland's median square footage for active listings during the 2025-04-01 period was 2,110 sqft. One year prior, the average listing was 1,696 sqft.
Rutland, VT Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 511 | $258,715,000 | $506,292 |
| Home Improvement | 116 | $10,930,000 | $94,224 |
| Refi | 110 | $19,760,000 | $179,636 |
| Cash Out Refi | 96 | $17,150,000 | $178,646 |
| Other | 63 | $7,205,000 | $114,365 |
Rutland's most frequently cited loan purpose was Home Purchase, with 511 originations. The 2nd most popular reason was Home Improvement, with 116 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 338 | $200,700,000 | $593,787 |
| 7-8% | 252 | $62,790,000 | $249,167 |
| Over 8% | 156 | $19,050,000 | $122,115 |
| 5-6% | 98 | $25,600,000 | $261,224 |
| <2.5% | 22 | $290,000 | $13,182 |
| 4-5% | 11 | $2,005,000 | $182,273 |
| 3-4% | 3 | $195,000 | $65,000 |
During 2024, Rutland's most frequently originated rate bucket was 6-7%, with 338 originations.
Loan Sizing (Rutland, VT MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 319 | $85,875,000 | $269,201 |
| $100k-200k | 268 | $40,450,000 | $150,933 |
| $100,000 or less | 205 | $10,425,000 | $50,854 |
| $400k-600k | 78 | $36,770,000 | $471,410 |
| $600k-1000k | 19 | $13,495,000 | $710,263 |
| $Over $1MM | 7 | $126,745,000 | $18,106,429 |
Rutland's loan sizing saw the bucket of loans from $200k-400k with 319 originations, totaling $85,875,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 308 | $88,270,000 | $286,591 |
| 60-80% | 217 | $59,985,000 | $276,429 |
| 20-40% | 128 | $15,300,000 | $119,531 |
| Under 20% | 123 | $5,795,000 | $47,114 |
| 40-60% | 88 | $17,910,000 | $203,523 |
| Over 100% | 6 | $120,580,000 | $20,096,667 |
Rutland's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 308 originations, totaling $88,270,000 in origination value.