Better Mortgage in Vermont vs the state
25.6%Denial rate+10.75 pts vs state
32.2%Decision denial rate+14.11 pts vs state
53.4%Origination rate-11.45 pts vs state
6.63%Median rate-0.08 pts vs state
0.55Rate spread (pts)+0.43 pts vs state
$127kMedian applicant income
117Loans originated
56Denied
Trend in Vermont
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 29 | 15 | 3.5% | 6.00% | #67 |
| 2024 | 36 | 11 | 16.7% | 6.50% | #64 |
| 2025 | 219 | 117 | 25.6% | 6.63% | #22 |
What Better Mortgage lends in Vermont
By loan purpose
By loan type
Why it denied Vermont applicants
Where in Vermont
Counties with the most Better Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Chittenden County | 43 | 29 | 9 | 20.9% |
| Caledonia County | 27 | 17 | 7 | 25.9% |
| Franklin County | 24 | 17 | 4 | 16.7% |
| Windsor County | 20 | 6 | 8 | 40.0% |
| Rutland County | 20 | 6 | 6 | 30.0% |
| Orleans County | 19 | 15 | 2 | 10.5% |
| Washington County | 15 | 11 | 2 | 13.3% |
| Windham County | 14 | 2 | 5 | 35.7% |
| Lamoille County | 13 | 5 | 5 | 38.5% |
| Addison County | 9 | 3 | 3 | 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: 219 applications in 2025, of which 117 were originated and 56 denied.
25.6% of all applications, or 32.2% of the applications it actually decided on. The Vermont statewide average across all lenders was 14.8%.
The median rate on loans Better Mortgage originated in Vermont in 2025 was 6.63%, against a statewide median of 6.71%.
About this data. Figures are Better 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