Discover Bank in Vermont vs the state
56.0%Denial rate+41.22 pts vs state
83.6%Decision denial rate+65.54 pts vs state
9.9%Origination rate-54.98 pts vs state
8.47%Median rate+1.77 pts vs state
1.86Rate spread (pts)+1.74 pts vs state
$110kMedian applicant income
9Loans originated
51Denied
Trend in Vermont
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 260 | 24 | 46.9% | 9.37% | #16 |
| 2024 | 317 | 50 | 50.5% | 8.47% | #15 |
| 2025 | 91 | 9 | 56.0% | 8.47% | #48 |
What Discover Bank lends in Vermont
By loan purpose
By loan type
Why it denied Vermont applicants
Where in Vermont
Counties with the most Discover Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Chittenden County | 22 | 3 | 9 | 40.9% |
| Windsor County | 14 | 0 | 7 | 50.0% |
| Rutland County | 11 | 2 | 6 | 54.5% |
| Orange County | 7 | 1 | 6 | 85.7% |
| Windham County | 6 | 0 | 6 | 100.0% |
| Bennington County | 5 | 0 | 3 | 60.0% |
| Orleans County | 5 | 0 | 4 | 80.0% |
| Caledonia County | 4 | 0 | 1 | 25.0% |
| Washington County | 4 | 1 | 2 | 50.0% |
| Franklin County | 4 | 0 | 2 | 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: 91 applications in 2025, of which 9 were originated and 51 denied.
56.0% of all applications, or 83.6% of the applications it actually decided on. The Vermont statewide average across all lenders was 14.8%.
The median rate on loans Discover Bank originated in Vermont in 2025 was 8.47%, against a statewide median of 6.71%.
About this data. Figures are Discover 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