Guaranteed Rate in Vermont vs the state
9.3%Denial rate-5.54 pts vs state
14.8%Decision denial rate-3.32 pts vs state
51.6%Origination rate-13.32 pts vs state
6.93%Median rate+0.23 pts vs state
0.30Rate spread (pts)+0.17 pts vs state
$295kMedian applicant income
50Loans originated
9Denied
Trend in Vermont
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 81 | 39 | 8.6% | 6.99% | #42 |
| 2024 | 74 | 42 | 13.5% | 6.93% | #48 |
| 2025 | 97 | 50 | 9.3% | 6.93% | #43 |
What Guaranteed Rate lends in Vermont
By loan purpose
By loan type
Why it denied Vermont applicants
Where in Vermont
Counties with the most Guaranteed Rate applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Windsor County | 27 | 16 | 2 | 7.4% |
| Windham County | 23 | 14 | 2 | 8.7% |
| Rutland County | 9 | 1 | 1 | 11.1% |
| Chittenden County | 8 | 5 | 1 | 12.5% |
| Bennington County | 7 | 3 | 0 | 0.0% |
| Washington County | 6 | 1 | 1 | 16.7% |
| Caledonia County | 5 | 2 | 0 | 0.0% |
| Lamoille County | 4 | 2 | 0 | 0.0% |
| Orleans County | 3 | 3 | 0 | 0.0% |
| Grand Isle County | 2 | 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: 97 applications in 2025, of which 50 were originated and 9 denied.
9.3% of all applications, or 14.8% of the applications it actually decided on. The Vermont statewide average across all lenders was 14.8%.
The median rate on loans Guaranteed Rate originated in Vermont in 2025 was 6.93%, against a statewide median of 6.71%.
About this data. Figures are Guaranteed Rate'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