Hartford Funding in Vermont vs the state
20.0%Denial rate+5.18 pts vs state
25.0%Decision denial rate+6.93 pts vs state
40.0%Origination rate-24.87 pts vs state
7.13%Median rate+0.42 pts vs state
0.65Rate spread (pts)+0.52 pts vs state
$152kMedian applicant income
2Loans originated
1Denied
What Hartford Funding lends in Vermont
By loan purpose
By loan type
Why it denied Vermont applicants
Where in Vermont
Counties with the most Hartford Funding applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Chittenden County | 2 | 0 | 1 | 50.0% |
| Orange County | 1 | 1 | 0 | 0.0% |
| Windham County | 1 | 0 | 0 | 0.0% |
| Addison 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 1 denied.
20.0% of all applications, or 25.0% of the applications it actually decided on. The Vermont statewide average across all lenders was 14.8%.
The median rate on loans Hartford Funding originated in Vermont in 2025 was 7.13%, against a statewide median of 6.71%.
About this data. Figures are Hartford Funding'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