Fairway Independent Mortgage in Vermont vs the state
10.2%Denial rate-4.64 pts vs state
12.5%Decision denial rate-5.57 pts vs state
71.3%Origination rate+6.39 pts vs state
6.75%Median rate+0.04 pts vs state
0.34Rate spread (pts)+0.22 pts vs state
$108kMedian applicant income
119Loans originated
17Denied
Trend in Vermont
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 178 | 128 | 11.8% | 6.75% | #21 |
| 2024 | 182 | 132 | 8.8% | 6.75% | #23 |
| 2025 | 167 | 119 | 10.2% | 6.75% | #29 |
What Fairway Independent Mortgage lends in Vermont
By loan purpose
By loan type
Why it denied Vermont applicants
Where in Vermont
Counties with the most Fairway Independent Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Chittenden County | 34 | 27 | 2 | 5.9% |
| Windsor County | 26 | 15 | 5 | 19.2% |
| Bennington County | 20 | 13 | 3 | 15.0% |
| Franklin County | 16 | 13 | 1 | 6.3% |
| Windham County | 16 | 7 | 1 | 6.3% |
| Washington County | 15 | 12 | 2 | 13.3% |
| Orleans County | 9 | 8 | 0 | 0.0% |
| Caledonia County | 7 | 5 | 0 | 0.0% |
| Rutland County | 6 | 4 | 1 | 16.7% |
| Lamoille 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: 167 applications in 2025, of which 119 were originated and 17 denied.
10.2% of all applications, or 12.5% of the applications it actually decided on. The Vermont statewide average across all lenders was 14.8%.
The median rate on loans Fairway Independent Mortgage originated in Vermont in 2025 was 6.75%, against a statewide median of 6.71%.
About this data. Figures are Fairway Independent Mortgage'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