Guild Mortgage in Vermont vs the state
3.0%Denial rate-11.79 pts vs state
3.6%Decision denial rate-14.52 pts vs state
77.8%Origination rate+12.91 pts vs state
6.50%Median rate-0.21 pts vs state
0.25Rate spread (pts)+0.12 pts vs state
$103kMedian applicant income
154Loans originated
6Denied
Trend in Vermont
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 37 | 23 | 8.1% | 6.99% | #61 |
| 2024 | 158 | 120 | 7.0% | 6.50% | #27 |
| 2025 | 198 | 154 | 3.0% | 6.50% | #25 |
What Guild Mortgage lends in Vermont
By loan purpose
By loan type
Why it denied Vermont applicants
Where in Vermont
Counties with the most Guild Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Rutland County | 54 | 41 | 2 | 3.7% |
| Lamoille County | 39 | 26 | 1 | 2.6% |
| Franklin County | 19 | 18 | 0 | 0.0% |
| Washington County | 17 | 12 | 1 | 5.9% |
| Chittenden County | 14 | 13 | 0 | 0.0% |
| Caledonia County | 12 | 10 | 0 | 0.0% |
| Orleans County | 9 | 8 | 0 | 0.0% |
| Windham County | 9 | 4 | 2 | 22.2% |
| Windsor County | 8 | 8 | 0 | 0.0% |
| Bennington County | 8 | 7 | 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: 198 applications in 2025, of which 154 were originated and 6 denied.
3.0% of all applications, or 3.6% of the applications it actually decided on. The Vermont statewide average across all lenders was 14.8%.
The median rate on loans Guild Mortgage originated in Vermont in 2025 was 6.50%, against a statewide median of 6.71%.
About this data. Figures are Guild 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