Freedom Mortgage in Vermont vs the state
9.6%Denial rate-5.23 pts vs state
15.6%Decision denial rate-2.51 pts vs state
45.2%Origination rate-19.66 pts vs state
6.25%Median rate-0.46 pts vs state
0.05Rate spread (pts)-0.08 pts vs state
$92kMedian applicant income
99Loans originated
21Denied
Trend in Vermont
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 63 | 22 | 23.8% | 6.94% | #52 |
| 2024 | 147 | 66 | 14.3% | 6.44% | #29 |
| 2025 | 219 | 99 | 9.6% | 6.25% | #23 |
What Freedom Mortgage lends in Vermont
By loan purpose
By loan type
Why it denied Vermont applicants
Where in Vermont
Counties with the most Freedom Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Franklin County | 40 | 21 | 3 | 7.5% |
| Chittenden County | 32 | 17 | 5 | 15.6% |
| Windsor County | 27 | 13 | 2 | 7.4% |
| Washington County | 21 | 12 | 1 | 4.8% |
| Bennington County | 18 | 8 | 2 | 11.1% |
| Rutland County | 17 | 11 | 1 | 5.9% |
| Lamoille County | 15 | 2 | 3 | 20.0% |
| Addison County | 13 | 5 | 1 | 7.7% |
| Windham County | 10 | 5 | 0 | 0.0% |
| Orleans County | 8 | 2 | 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: 219 applications in 2025, of which 99 were originated and 21 denied.
9.6% of all applications, or 15.6% of the applications it actually decided on. The Vermont statewide average across all lenders was 14.8%.
The median rate on loans Freedom Mortgage originated in Vermont in 2025 was 6.25%, against a statewide median of 6.71%.
About this data. Figures are Freedom 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