Emm Loans in Vermont vs the state
1.5%Denial rate-13.37 pts vs state
1.6%Decision denial rate-16.47 pts vs state
84.6%Origination rate+19.76 pts vs state
6.63%Median rate-0.08 pts vs state
0.21Rate spread (pts)+0.09 pts vs state
$137kMedian applicant income
644Loans originated
11Denied
Trend in Vermont
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 156 | 130 | 5.1% | 7.00% | #24 |
| 2024 | 546 | 450 | 2.2% | 6.63% | #10 |
| 2025 | 761 | 644 | 1.5% | 6.63% | #6 |
What Emm Loans lends in Vermont
By loan purpose
By loan type
Why it denied Vermont applicants
Where in Vermont
Counties with the most Emm Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Chittenden County | 200 | 177 | 2 | 1.0% |
| Windsor County | 163 | 138 | 3 | 1.8% |
| Rutland County | 74 | 63 | 0 | 0.0% |
| Washington County | 67 | 56 | 0 | 0.0% |
| Franklin County | 49 | 44 | 0 | 0.0% |
| Orange County | 46 | 38 | 2 | 4.3% |
| Windham County | 44 | 32 | 2 | 4.5% |
| Bennington County | 29 | 26 | 0 | 0.0% |
| Lamoille County | 24 | 17 | 1 | 4.2% |
| Addison County | 22 | 19 | 1 | 4.5% |
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% |
| 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% |
| Northeast Home Loan | A | 524 | 2.1% | 6.50% |
Frequently asked questions
Vermont: 761 applications in 2025, of which 644 were originated and 11 denied.
1.5% of all applications, or 1.6% of the applications it actually decided on. The Vermont statewide average across all lenders was 14.8%.
The median rate on loans Emm Loans originated in Vermont in 2025 was 6.63%, against a statewide median of 6.71%.
About this data. Figures are Emm Loans'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