Community Bank in Vermont vs the state
13.3%Denial rate-1.48 pts vs state
16.5%Decision denial rate-1.54 pts vs state
66.2%Origination rate+1.36 pts vs state
7.00%Median rate+0.29 pts vs state
-0.04Rate spread (pts)-0.17 pts vs state
$100kMedian applicant income
402Loans originated
81Denied
Trend in Vermont
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 574 | 408 | 13.2% | 6.75% | #8 |
| 2024 | 565 | 405 | 11.7% | 7.50% | #9 |
| 2025 | 607 | 402 | 13.3% | 7.00% | #10 |
What Community Bank lends in Vermont
By loan purpose
By loan type
Why it denied Vermont applicants
Where in Vermont
Counties with the most Community Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Chittenden County | 128 | 90 | 12 | 9.4% |
| Rutland County | 114 | 84 | 15 | 13.2% |
| Washington County | 54 | 32 | 11 | 20.4% |
| Caledonia County | 48 | 29 | 5 | 10.4% |
| Addison County | 45 | 28 | 6 | 13.3% |
| Franklin County | 40 | 27 | 4 | 10.0% |
| Windsor County | 32 | 21 | 4 | 12.5% |
| Bennington County | 30 | 19 | 6 | 20.0% |
| Orange County | 26 | 10 | 4 | 15.4% |
| Windham County | 26 | 15 | 4 | 15.4% |
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% |
| Northeast Home Loan | A | 524 | 2.1% | 6.50% |
Frequently asked questions
Vermont: 607 applications in 2025, of which 402 were originated and 81 denied.
13.3% of all applications, or 16.5% of the applications it actually decided on. The Vermont statewide average across all lenders was 14.8%.
The median rate on loans Community Bank originated in Vermont in 2025 was 7.00%, against a statewide median of 6.71%.
About this data. Figures are Community Bank'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