21st Mortgage in Vermont vs the state
40.3%Denial rate+25.50 pts vs state
61.0%Decision denial rate+42.91 pts vs state
25.8%Origination rate-39.06 pts vs state
9.48%Median rate+2.78 pts vs state
3.63Rate spread (pts)+3.50 pts vs state
$69kMedian applicant income
32Loans originated
50Denied
Trend in Vermont
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 71 | 18 | 36.6% | 8.54% | #47 |
| 2024 | 92 | 19 | 35.9% | 9.01% | #40 |
| 2025 | 124 | 32 | 40.3% | 9.48% | #34 |
What 21st Mortgage lends in Vermont
By loan purpose
By loan type
Why it denied Vermont applicants
Where in Vermont
Counties with the most 21st Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Rutland County | 34 | 14 | 8 | 23.5% |
| Chittenden County | 21 | 2 | 11 | 52.4% |
| Windsor County | 16 | 4 | 5 | 31.3% |
| Addison County | 12 | 6 | 3 | 25.0% |
| Washington County | 8 | 1 | 5 | 62.5% |
| Franklin County | 7 | 3 | 2 | 28.6% |
| Orange County | 7 | 1 | 2 | 28.6% |
| Bennington County | 6 | 0 | 5 | 83.3% |
| Caledonia County | 4 | 0 | 3 | 75.0% |
| Orleans County | 3 | 1 | 1 | 33.3% |
Other large lenders in Vermont
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Eastrise Federal Credit Union | A | 3,529 | 5.1% | 6.50% |
| Rocket Mortgage | C | 1,165 | 22.0% | 6.75% |
| North Country | C | 1,135 | 9.5% | 7.25% |
| Vermont Federal Credit Union | A | 1,003 | 12.0% | 6.75% |
| Citizens Bank | C | 826 | 38.9% | 7.65% |
| Emm Loans | B | 761 | 1.5% | 6.63% |
| Mascoma Bank | B | 717 | 16.5% | 6.75% |
| Union Bank | B | 641 | 4.5% | 6.63% |
| Manufacturers and Traders Trust | C | 617 | 30.8% | 5.99% |
| Community Bank | D | 607 | 13.3% | 7.00% |
Frequently asked questions
Vermont: 124 applications in 2025, of which 32 were originated and 50 denied.
40.3% of all applications, or 61.0% of the applications it actually decided on. The Vermont statewide average across all lenders was 14.8%.
The median rate on loans 21st Mortgage originated in Vermont in 2025 was 9.48%, against a statewide median of 6.71%.
About this data. Figures are 21st Mortgage's own HMDA filing for properties located in Vermont, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology