VT · United States

Audit your Vermont mortgage escrow statement.

65% of US mortgage escrow accounts came up short by $2,157 on average in 2026 (CNBC). The same RESPA cushion-ceiling math applies in Vermont. Vermont also requires servicers to credit interest on your escrow balance — see below.

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Vermont interest law

Servicers must credit interest on your escrow.

Mortgagees must pay annual interest on escrow balances.

Statutory rate

prevailing market rate

8 V.S.A. § 10404

Vermont signals · CFPB data

Top 3 servicers by escrow-related complaints in Vermont.

17 total mortgage complaints in the last six months; 3 reference escrow shortage, RESPA, cushion, property tax, or hazard-insurance disputes. Source: CFPB Consumer Complaint Database.

01FIFTH THIRD FINANCIAL CORPORATION
1
02COMMUNITY FINANCIAL SYSTEM
1
03PENNYMAC LOAN SERVICES
1

The same audit any homeowner gets — anchored to Vermont law where it differs from federal.

Free 90-second self-check first. If the cushion ceiling is violated or any other RESPA rule is broken, run the $39 audit and we generate the Qualified Written Request letter your servicer must answer.

Full RESPA audit + math reconciliation
QWR letter PDF (Plus tier: we mail it Certified)
CFPB + state-AG complaint drafts

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