First Savings Bank in Vermont vs the state
60.0%Denial rate+45.18 pts vs state
60.0%Decision denial rate+41.93 pts vs state
40.0%Origination rate-24.87 pts vs state
7.63%Median rate+0.92 pts vs state
0.38Rate spread (pts)+0.25 pts vs state
$124kMedian applicant income
2Loans originated
3Denied
What First Savings Bank lends in Vermont
By loan purpose
By loan type
Why it denied Vermont applicants
Where in Vermont
Counties with the most First Savings Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Orleans County | 2 | 0 | 2 | 100.0% |
| Caledonia County | 2 | 1 | 1 | 50.0% |
| Chittenden County | 1 | 1 | 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: 5 applications in 2025, of which 2 were originated and 3 denied.
60.0% of all applications, or 60.0% of the applications it actually decided on. The Vermont statewide average across all lenders was 14.8%.
The median rate on loans First Savings Bank originated in Vermont in 2025 was 7.63%, against a statewide median of 6.71%.
About this data. Figures are First Savings 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