Hometown Equity Mortgage in Vermont vs the state
50.0%Denial rate+35.18 pts vs state
53.9%Decision denial rate+35.78 pts vs state
35.7%Origination rate-29.16 pts vs state
7.25%Median rate+0.54 pts vs state
—Rate spread (pts)
$158kMedian applicant income
5Loans originated
7Denied
Trend in Vermont
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 10 | 7 | 30.0% | 8.75% | #103 |
| 2024 | 9 | 6 | 33.3% | 8.00% | #112 |
| 2025 | 14 | 5 | 50.0% | 7.25% | #94 |
What Hometown Equity Mortgage lends in Vermont
By loan purpose
By loan type
Why it denied Vermont applicants
Where in Vermont
Counties with the most Hometown Equity Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Chittenden County | 4 | 1 | 2 | 50.0% |
| Windham County | 2 | 1 | 1 | 50.0% |
| Franklin County | 2 | 2 | 0 | 0.0% |
| Bennington County | 2 | 1 | 1 | 50.0% |
| Rutland County | 1 | 0 | 1 | 100.0% |
| Lamoille County | 1 | 0 | 0 | 0.0% |
| Windsor County | 1 | 0 | 1 | 100.0% |
| Caledonia County | 1 | 0 | 1 | 100.0% |
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: 14 applications in 2025, of which 5 were originated and 7 denied.
50.0% of all applications, or 53.9% of the applications it actually decided on. The Vermont statewide average across all lenders was 14.8%.
The median rate on loans Hometown Equity Mortgage originated in Vermont in 2025 was 7.25%, against a statewide median of 6.71%.
About this data. Figures are Hometown Equity 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