Member First Mortgage in Vermont vs the state
11.1%Denial rate-3.71 pts vs state
14.3%Decision denial rate-3.78 pts vs state
61.1%Origination rate-3.76 pts vs state
6.50%Median rate-0.21 pts vs state
0.49Rate spread (pts)+0.36 pts vs state
$84kMedian applicant income
11Loans originated
2Denied
Trend in Vermont
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 8 | 2 | 25.0% | 7.50% | #111 |
| 2024 | 10 | 6 | 20.0% | 6.75% | #106 |
| 2025 | 18 | 11 | 11.1% | 6.50% | #85 |
What Member First Mortgage lends in Vermont
By loan purpose
By loan type
Why it denied Vermont applicants
Where in Vermont
Counties with the most Member First Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Windsor County | 12 | 7 | 1 | 8.3% |
| Windham County | 2 | 1 | 0 | 0.0% |
| Orange County | 2 | 2 | 0 | 0.0% |
| Grand Isle County | 1 | 0 | 1 | 100.0% |
| Washington 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: 18 applications in 2025, of which 11 were originated and 2 denied.
11.1% of all applications, or 14.3% of the applications it actually decided on. The Vermont statewide average across all lenders was 14.8%.
The median rate on loans Member First Mortgage originated in Vermont in 2025 was 6.50%, against a statewide median of 6.71%.
About this data. Figures are Member First 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