AmeriSave Mortgage in Vermont vs the state
63.6%Denial rate+48.82 pts vs state
71.0%Decision denial rate+52.90 pts vs state
25.2%Origination rate-39.66 pts vs state
7.75%Median rate+1.05 pts vs state
2.12Rate spread (pts)+1.99 pts vs state
$65kMedian applicant income
61Loans originated
154Denied
Trend in Vermont
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 201 | 29 | 25.9% | 6.25% | #18 |
| 2024 | 293 | 32 | 71.3% | 7.50% | #18 |
| 2025 | 242 | 61 | 63.6% | 7.75% | #19 |
What AmeriSave Mortgage lends in Vermont
By loan purpose
By loan type
Why it denied Vermont applicants
Where in Vermont
Counties with the most AmeriSave Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Rutland County | 45 | 9 | 27 | 60.0% |
| Chittenden County | 31 | 8 | 17 | 54.8% |
| Franklin County | 26 | 6 | 20 | 76.9% |
| Windsor County | 23 | 11 | 9 | 39.1% |
| Bennington County | 20 | 5 | 15 | 75.0% |
| Orange County | 16 | 2 | 13 | 81.3% |
| Windham County | 14 | 4 | 8 | 57.1% |
| Addison County | 14 | 2 | 12 | 85.7% |
| Orleans County | 13 | 2 | 10 | 76.9% |
| Washington County | 13 | 5 | 5 | 38.5% |
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: 242 applications in 2025, of which 61 were originated and 154 denied.
63.6% of all applications, or 71.0% of the applications it actually decided on. The Vermont statewide average across all lenders was 14.8%.
The median rate on loans AmeriSave Mortgage originated in Vermont in 2025 was 7.75%, against a statewide median of 6.71%.
About this data. Figures are AmeriSave 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