Homebridge Financial Services in Vermont vs the state
25.0%Denial rate+10.18 pts vs state
25.8%Decision denial rate+7.74 pts vs state
71.9%Origination rate+7.01 pts vs state
6.75%Median rate+0.04 pts vs state
0.43Rate spread (pts)+0.31 pts vs state
$119kMedian applicant income
23Loans originated
8Denied
Trend in Vermont
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 121 | 95 | 14.9% | 6.50% | #29 |
| 2024 | 35 | 23 | 22.9% | 6.99% | #65 |
| 2025 | 32 | 23 | 25.0% | 6.75% | #67 |
What Homebridge Financial Services lends in Vermont
By loan purpose
By loan type
Why it denied Vermont applicants
Where in Vermont
Counties with the most Homebridge Financial Services applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Chittenden County | 8 | 7 | 1 | 12.5% |
| Franklin County | 7 | 6 | 1 | 14.3% |
| Windham County | 4 | 2 | 2 | 50.0% |
| Orleans County | 3 | 2 | 1 | 33.3% |
| Caledonia County | 3 | 2 | 1 | 33.3% |
| Washington County | 1 | 1 | 0 | 0.0% |
| Lamoille County | 1 | 1 | 0 | 0.0% |
| Orange County | 1 | 0 | 1 | 100.0% |
| Grand Isle County | 1 | 1 | 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: 32 applications in 2025, of which 23 were originated and 8 denied.
25.0% of all applications, or 25.8% of the applications it actually decided on. The Vermont statewide average across all lenders was 14.8%.
The median rate on loans Homebridge Financial Services originated in Vermont in 2025 was 6.75%, against a statewide median of 6.71%.
About this data. Figures are Homebridge Financial Services'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