KeyBank in Vermont vs the state
31.9%Denial rate+17.09 pts vs state
37.0%Decision denial rate+18.97 pts vs state
48.9%Origination rate-15.93 pts vs state
7.70%Median rate+1.00 pts vs state
0.86Rate spread (pts)+0.74 pts vs state
$107kMedian applicant income
46Loans originated
30Denied
Trend in Vermont
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 143 | 64 | 32.9% | 7.75% | #26 |
| 2024 | 106 | 40 | 40.6% | 9.79% | #34 |
| 2025 | 94 | 46 | 31.9% | 7.70% | #45 |
What KeyBank lends in Vermont
By loan purpose
By loan type
Why it denied Vermont applicants
Where in Vermont
Counties with the most KeyBank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Chittenden County | 42 | 18 | 13 | 31.0% |
| Franklin County | 12 | 6 | 4 | 33.3% |
| Addison County | 9 | 4 | 4 | 44.4% |
| Windham County | 9 | 4 | 2 | 22.2% |
| Rutland County | 7 | 4 | 3 | 42.9% |
| Windsor County | 6 | 3 | 2 | 33.3% |
| Lamoille County | 3 | 1 | 2 | 66.7% |
| Washington County | 2 | 2 | 0 | 0.0% |
| Orleans County | 2 | 2 | 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: 94 applications in 2025, of which 46 were originated and 30 denied.
31.9% of all applications, or 37.0% of the applications it actually decided on. The Vermont statewide average across all lenders was 14.8%.
The median rate on loans KeyBank originated in Vermont in 2025 was 7.70%, against a statewide median of 6.71%.
About this data. Figures are KeyBank'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