Vermont Mortgage Rate Trends
Track current and weekly average mortgage rates across all loan products in Vermont, view interactive rate trend charts, and compare VT borrowing costs against the national average.
Current Vermont Mortgage Rate Trends
Mortgage rates in Vermont fell by -0.056 this week, bringing the current 30-year fixed average down to 6.177%. Borrowers in VT are benefiting from improved conditions compared to last week's average of 6.233%.
At 6.177%, Vermont's 30-year fixed rate sits -0.082 below the current national average of 6.259%. This favorable spread suggests VT borrowers may have a competitive advantage relative to the rest of the country.
The 15-year fixed rate in Vermont currently averages 6.093%, compared to 6.190% last week. Homeowners considering a refinance into a shorter term should weigh this rate against their current loan conditions and remaining balance. Shorter-term loans typically carry lower rates but require higher monthly payments.
The Vermont mortgage rate averages displayed on this page are calculated from 132 verified mortgage rate quotes collected across 16 lenders actively operating in Vermont. Our proprietary systems collect and verify mortgage rates daily — tracking what real licensed institutions are actually quoting to borrowers, not published rate sheet estimates.
Unlike rate comparison sites that show only a handful of lenders, MonitorBankRates maintains a continuously updated mortgage rate database spanning community banks, regional lenders, national institutions, and credit unions across Vermont. This scale allows us to calculate averages that reflect the full lending landscape — not just the most aggressive advertisers — giving borrowers, journalists, and real estate professionals a more accurate benchmark for what rates actually look like in VT.
Data reflects average rates offered by licensed institutions operating in VT. Last Updated: April 20, 2026
Vermont Mortgage Rate Trends
Daily average rates across all loan products. Hover over the chart to see exact rates for each day.
Vermont mortgage rate averages compiled from 132 current mortgage rates across 16 lenders operating in VT — updated daily.
As of Apr 20, 2026 • Data provided by MonitorBankRates.com
For Media, Researchers & Real Estate Professionals
Journalists covering Vermont housing markets, real estate professionals advising clients on timing, and academic researchers studying regional lending patterns are welcome to cite and reference this data. All historical VT rate data is free to use for editorial, research, and educational purposes.
Please attribute MonitorBankRates.com when referencing our figures in any publication, article, or report — and optionally link to https://monitorbankrates.com/mortgage-loan-rates/vermont/trends. For custom data pulls, contact us here.
