Luminate Home Loans in Vermont vs the state
18.2%Denial rate+3.36 pts vs state
20.0%Decision denial rate+1.93 pts vs state
72.7%Origination rate+7.86 pts vs state
6.69%Median rate-0.02 pts vs state
0.12Rate spread (pts)0.00 pts vs state
$102kMedian applicant income
16Loans originated
4Denied
Trend in Vermont
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 126 | 88 | 4.8% | 7.19% | #27 |
| 2024 | 189 | 138 | 7.9% | 6.99% | #22 |
| 2025 | 22 | 16 | 18.2% | 6.69% | #77 |
What Luminate Home Loans lends in Vermont
By loan purpose
By loan type
Why it denied Vermont applicants
Where in Vermont
Counties with the most Luminate Home Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Orleans County | 7 | 3 | 4 | 57.1% |
| Caledonia County | 5 | 5 | 0 | 0.0% |
| Chittenden County | 4 | 4 | 0 | 0.0% |
| Franklin County | 2 | 1 | 0 | 0.0% |
| Windham County | 2 | 1 | 0 | 0.0% |
| Lamoille 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: 22 applications in 2025, of which 16 were originated and 4 denied.
18.2% of all applications, or 20.0% of the applications it actually decided on. The Vermont statewide average across all lenders was 14.8%.
The median rate on loans Luminate Home Loans originated in Vermont in 2025 was 6.69%, against a statewide median of 6.71%.
About this data. Figures are Luminate 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