Carrington Mortgage Services in Vermont vs the state
46.8%Denial rate+31.95 pts vs state
51.8%Decision denial rate+33.72 pts vs state
38.7%Origination rate-26.16 pts vs state
6.38%Median rate-0.33 pts vs state
0.48Rate spread (pts)+0.35 pts vs state
$102kMedian applicant income
24Loans originated
29Denied
Trend in Vermont
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 64 | 16 | 48.4% | 7.31% | #49 |
| 2024 | 62 | 17 | 51.6% | 6.38% | #54 |
| 2025 | 62 | 24 | 46.8% | 6.38% | #53 |
What Carrington Mortgage Services lends in Vermont
By loan purpose
By loan type
Why it denied Vermont applicants
Where in Vermont
Counties with the most Carrington Mortgage Services applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Chittenden County | 11 | 4 | 6 | 54.5% |
| Washington County | 11 | 2 | 7 | 63.6% |
| Franklin County | 8 | 3 | 5 | 62.5% |
| Orange County | 6 | 2 | 2 | 33.3% |
| Windsor County | 6 | 2 | 1 | 16.7% |
| Bennington County | 5 | 4 | 1 | 20.0% |
| Rutland County | 4 | 1 | 2 | 50.0% |
| Windham County | 3 | 2 | 1 | 33.3% |
| Addison County | 3 | 2 | 1 | 33.3% |
| Orleans County | 2 | 1 | 1 | 50.0% |
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: 62 applications in 2025, of which 24 were originated and 29 denied.
46.8% of all applications, or 51.8% of the applications it actually decided on. The Vermont statewide average across all lenders was 14.8%.
The median rate on loans Carrington Mortgage Services originated in Vermont in 2025 was 6.38%, against a statewide median of 6.71%.
About this data. Figures are Carrington Mortgage Services'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