Mortgage Research Center in Vermont vs the state
15.3%Denial rate+0.48 pts vs state
25.0%Decision denial rate+6.93 pts vs state
45.6%Origination rate-19.24 pts vs state
6.44%Median rate-0.27 pts vs state
0.02Rate spread (pts)-0.11 pts vs state
$94kMedian applicant income
167Loans originated
56Denied
Trend in Vermont
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 262 | 128 | 15.3% | 6.99% | #15 |
| 2024 | 308 | 136 | 17.5% | 6.63% | #16 |
| 2025 | 366 | 167 | 15.3% | 6.44% | #14 |
What Mortgage Research Center lends in Vermont
By loan purpose
By loan type
Why it denied Vermont applicants
Where in Vermont
Counties with the most Mortgage Research Center applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Windsor County | 53 | 22 | 10 | 18.9% |
| Franklin County | 53 | 24 | 5 | 9.4% |
| Rutland County | 39 | 20 | 5 | 12.8% |
| Washington County | 36 | 11 | 9 | 25.0% |
| Chittenden County | 33 | 14 | 4 | 12.1% |
| Orleans County | 28 | 15 | 4 | 14.3% |
| Orange County | 26 | 16 | 2 | 7.7% |
| Bennington County | 25 | 12 | 7 | 28.0% |
| Windham County | 22 | 9 | 4 | 18.2% |
| Caledonia County | 19 | 10 | 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: 366 applications in 2025, of which 167 were originated and 56 denied.
15.3% 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 Mortgage Research Center originated in Vermont in 2025 was 6.44%, against a statewide median of 6.71%.
About this data. Figures are Mortgage Research Center'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