Community National Bank in Vermont vs the state
4.9%Denial rate-9.92 pts vs state
5.4%Decision denial rate-12.71 pts vs state
85.6%Origination rate+20.75 pts vs state
6.91%Median rate+0.21 pts vs state
-0.02Rate spread (pts)-0.15 pts vs state
$105kMedian applicant income
262Loans originated
15Denied
Trend in Vermont
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 304 | 253 | 9.2% | 7.24% | #13 |
| 2024 | 264 | 209 | 9.9% | 7.13% | #19 |
| 2025 | 306 | 262 | 4.9% | 6.91% | #17 |
What Community National Bank lends in Vermont
By loan purpose
By loan type
Why it denied Vermont applicants
Where in Vermont
Counties with the most Community National Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Orleans County | 132 | 114 | 8 | 6.1% |
| Caledonia County | 56 | 43 | 3 | 5.4% |
| Washington County | 38 | 35 | 1 | 2.6% |
| Lamoille County | 19 | 17 | 2 | 10.5% |
| Orange County | 14 | 12 | 1 | 7.1% |
| Essex County | 14 | 12 | 0 | 0.0% |
| Franklin County | 9 | 8 | 0 | 0.0% |
| Windsor County | 7 | 5 | 0 | 0.0% |
| Chittenden County | 7 | 6 | 0 | 0.0% |
| Rutland County | 5 | 5 | 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: 306 applications in 2025, of which 262 were originated and 15 denied.
4.9% of all applications, or 5.4% of the applications it actually decided on. The Vermont statewide average across all lenders was 14.8%.
The median rate on loans Community National Bank originated in Vermont in 2025 was 6.91%, against a statewide median of 6.71%.
About this data. Figures are Community National 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