LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans in Vermont vs the state
15.4%Denial rate+0.56 pts vs state
25.0%Decision denial rate+6.93 pts vs state
38.5%Origination rate-26.41 pts vs state
6.00%Median rate-0.71 pts vs state
-0.15Rate spread (pts)-0.28 pts vs state
$224kMedian applicant income
15Loans originated
6Denied
What LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans lends in Vermont
By loan purpose
By loan type
Why it denied Vermont applicants
Where in Vermont
Counties with the most LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Chittenden County | 12 | 4 | 2 | 16.7% |
| Rutland County | 6 | 3 | 1 | 16.7% |
| Washington County | 4 | 1 | 1 | 25.0% |
| Windsor County | 4 | 1 | 0 | 0.0% |
| Lamoille County | 3 | 1 | 1 | 33.3% |
| Caledonia County | 2 | 1 | 0 | 0.0% |
| Windham County | 2 | 1 | 0 | 0.0% |
| Franklin County | 2 | 1 | 0 | 0.0% |
| Bennington County | 1 | 1 | 0 | 0.0% |
| Orange 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: 39 applications in 2025, of which 15 were originated and 6 denied.
15.4% 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 LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans originated in Vermont in 2025 was 6.00%, against a statewide median of 6.71%.
About this data. Figures are LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans'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