Citibank in Vermont vs the state
15.9%Denial rate+1.09 pts vs state
20.0%Decision denial rate+1.93 pts vs state
63.6%Origination rate-1.23 pts vs state
5.81%Median rate-0.89 pts vs state
-0.23Rate spread (pts)-0.36 pts vs state
$623kMedian applicant income
28Loans originated
7Denied
Trend in Vermont
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 28 | 21 | 7.1% | 5.50% | #69 |
| 2024 | 39 | 27 | 7.7% | 6.13% | #59 |
| 2025 | 44 | 28 | 15.9% | 5.81% | #59 |
What Citibank lends in Vermont
By loan purpose
By loan type
Why it denied Vermont applicants
Where in Vermont
Counties with the most Citibank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Windsor County | 10 | 8 | 1 | 10.0% |
| Windham County | 6 | 4 | 0 | 0.0% |
| Lamoille County | 5 | 5 | 0 | 0.0% |
| Bennington County | 5 | 4 | 0 | 0.0% |
| Washington County | 4 | 3 | 0 | 0.0% |
| Orleans County | 4 | 0 | 3 | 75.0% |
| Caledonia County | 3 | 0 | 2 | 66.7% |
| Rutland County | 3 | 0 | 1 | 33.3% |
| Grand Isle County | 2 | 2 | 0 | 0.0% |
| Addison County | 1 | 1 | 0 | 0.0% |
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: 44 applications in 2025, of which 28 were originated and 7 denied.
15.9% of all applications, or 20.0% of the applications it actually decided on. The Vermont statewide average across all lenders was 14.8%.
The median rate on loans Citibank originated in Vermont in 2025 was 5.81%, against a statewide median of 6.71%.
About this data. Figures are Citibank'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