Manufacturers and Traders Trust in Vermont vs the state
30.8%Denial rate+15.97 pts vs state
33.7%Decision denial rate+15.62 pts vs state
57.1%Origination rate-7.82 pts vs state
5.99%Median rate-0.71 pts vs state
-1.20Rate spread (pts)-1.33 pts vs state
$99kMedian applicant income
352Loans originated
190Denied
Trend in Vermont
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 412 | 250 | 28.6% | 7.25% | #11 |
| 2024 | 573 | 342 | 29.7% | 7.97% | #8 |
| 2025 | 617 | 352 | 30.8% | 5.99% | #9 |
What Manufacturers and Traders Trust lends in Vermont
By loan purpose
By loan type
Why it denied Vermont applicants
Where in Vermont
Counties with the most Manufacturers and Traders Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Chittenden County | 151 | 92 | 40 | 26.5% |
| Windham County | 92 | 44 | 34 | 37.0% |
| Windsor County | 74 | 38 | 26 | 35.1% |
| Rutland County | 66 | 45 | 14 | 21.2% |
| Bennington County | 48 | 30 | 14 | 29.2% |
| Washington County | 37 | 26 | 5 | 13.5% |
| Franklin County | 34 | 14 | 14 | 41.2% |
| Orleans County | 32 | 17 | 13 | 40.6% |
| Lamoille County | 28 | 13 | 13 | 46.4% |
| Addison County | 28 | 20 | 6 | 21.4% |
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% |
| Community Bank | D | 607 | 13.3% | 7.00% |
| Northeast Home Loan | A | 524 | 2.1% | 6.50% |
Frequently asked questions
Vermont: 617 applications in 2025, of which 352 were originated and 190 denied.
30.8% of all applications, or 33.7% of the applications it actually decided on. The Vermont statewide average across all lenders was 14.8%.
The median rate on loans Manufacturers and Traders Trust originated in Vermont in 2025 was 5.99%, against a statewide median of 6.71%.
About this data. Figures are Manufacturers and Traders Trust'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