Bank of America in Vermont vs the state
27.2%Denial rate+12.41 pts vs state
36.9%Decision denial rate+18.81 pts vs state
45.6%Origination rate-19.32 pts vs state
6.00%Median rate-0.71 pts vs state
0.10Rate spread (pts)-0.02 pts vs state
$212kMedian applicant income
87Loans originated
52Denied
Trend in Vermont
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 191 | 85 | 37.7% | 6.50% | #19 |
| 2024 | 171 | 93 | 24.0% | 6.99% | #25 |
| 2025 | 191 | 87 | 27.2% | 6.00% | #26 |
What Bank of America lends in Vermont
By loan purpose
By loan type
Why it denied Vermont applicants
Where in Vermont
Counties with the most Bank of America applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Windsor County | 38 | 20 | 8 | 21.1% |
| Chittenden County | 28 | 10 | 8 | 28.6% |
| Bennington County | 21 | 12 | 4 | 19.0% |
| Windham County | 20 | 13 | 6 | 30.0% |
| Rutland County | 20 | 7 | 5 | 25.0% |
| Washington County | 16 | 8 | 5 | 31.3% |
| Lamoille County | 13 | 8 | 3 | 23.1% |
| Caledonia County | 7 | 2 | 3 | 42.9% |
| Orange County | 7 | 3 | 1 | 14.3% |
| Orleans County | 7 | 3 | 2 | 28.6% |
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: 191 applications in 2025, of which 87 were originated and 52 denied.
27.2% of all applications, or 36.9% of the applications it actually decided on. The Vermont statewide average across all lenders was 14.8%.
The median rate on loans Bank of America originated in Vermont in 2025 was 6.00%, against a statewide median of 6.71%.
About this data. Figures are Bank of America'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