Digital in Vermont vs the state
29.4%Denial rate+14.59 pts vs state
33.3%Decision denial rate+15.26 pts vs state
52.9%Origination rate-11.93 pts vs state
7.25%Median rate+0.54 pts vs state
0.24Rate spread (pts)+0.11 pts vs state
$169kMedian applicant income
9Loans originated
5Denied
Trend in Vermont
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 21 | 8 | 47.6% | 7.75% | #77 |
| 2024 | 18 | 5 | 27.8% | 8.25% | #78 |
| 2025 | 17 | 9 | 29.4% | 7.25% | #86 |
What Digital lends in Vermont
By loan purpose
By loan type
Why it denied Vermont applicants
Where in Vermont
Counties with the most Digital applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Bennington County | 3 | 3 | 0 | 0.0% |
| Windham County | 3 | 1 | 0 | 0.0% |
| Lamoille County | 2 | 1 | 1 | 50.0% |
| Essex County | 2 | 1 | 1 | 50.0% |
| Washington County | 2 | 1 | 1 | 50.0% |
| Windsor County | 2 | 1 | 1 | 50.0% |
| Orange County | 1 | 0 | 1 | 100.0% |
| Caledonia County | 1 | 1 | 0 | 0.0% |
| Addison County | 1 | 0 | 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: 17 applications in 2025, of which 9 were originated and 5 denied.
29.4% of all applications, or 33.3% of the applications it actually decided on. The Vermont statewide average across all lenders was 14.8%.
The median rate on loans Digital originated in Vermont in 2025 was 7.25%, against a statewide median of 6.71%.
About this data. Figures are Digital'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