Figure Lending in Vermont vs the state
42.2%Denial rate+27.35 pts vs state
44.0%Decision denial rate+25.96 pts vs state
27.7%Origination rate-37.16 pts vs state
9.94%Median rate+3.23 pts vs state
3.29Rate spread (pts)+3.17 pts vs state
$106kMedian applicant income
46Loans originated
70Denied
Trend in Vermont
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 76 | 30 | 40.8% | 11.61% | #44 |
| 2024 | 96 | 27 | 35.4% | 12.45% | #38 |
| 2025 | 166 | 46 | 42.2% | 9.94% | #30 |
What Figure Lending lends in Vermont
By loan purpose
By loan type
Why it denied Vermont applicants
Where in Vermont
Counties with the most Figure Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Rutland County | 28 | 6 | 11 | 39.3% |
| Chittenden County | 26 | 6 | 13 | 50.0% |
| Windsor County | 25 | 6 | 12 | 48.0% |
| Franklin County | 18 | 6 | 5 | 27.8% |
| Orange County | 12 | 4 | 5 | 41.7% |
| Bennington County | 12 | 5 | 3 | 25.0% |
| Windham County | 10 | 3 | 5 | 50.0% |
| Washington County | 10 | 4 | 5 | 50.0% |
| Caledonia County | 9 | 3 | 3 | 33.3% |
| Orleans County | 6 | 1 | 3 | 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: 166 applications in 2025, of which 46 were originated and 70 denied.
42.2% of all applications, or 44.0% of the applications it actually decided on. The Vermont statewide average across all lenders was 14.8%.
The median rate on loans Figure Lending originated in Vermont in 2025 was 9.94%, against a statewide median of 6.71%.
About this data. Figures are Figure Lending'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