Movement Mortgage in Vermont vs the state
13.4%Denial rate-1.42 pts vs state
15.9%Decision denial rate-2.22 pts vs state
59.8%Origination rate-5.08 pts vs state
6.53%Median rate-0.17 pts vs state
0.11Rate spread (pts)-0.02 pts vs state
$115kMedian applicant income
58Loans originated
13Denied
Trend in Vermont
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 85 | 56 | 9.4% | 6.63% | #38 |
| 2024 | 77 | 50 | 3.9% | 6.63% | #45 |
| 2025 | 97 | 58 | 13.4% | 6.53% | #42 |
What Movement Mortgage lends in Vermont
By loan purpose
By loan type
Why it denied Vermont applicants
Where in Vermont
Counties with the most Movement Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Franklin County | 29 | 21 | 3 | 10.3% |
| Chittenden County | 29 | 16 | 4 | 13.8% |
| Rutland County | 6 | 3 | 0 | 0.0% |
| Windsor County | 5 | 3 | 0 | 0.0% |
| Addison County | 4 | 2 | 0 | 0.0% |
| Windham County | 4 | 2 | 2 | 50.0% |
| Grand Isle County | 4 | 2 | 1 | 25.0% |
| Washington County | 4 | 3 | 0 | 0.0% |
| Lamoille County | 3 | 3 | 0 | 0.0% |
| Orange County | 3 | 1 | 1 | 33.3% |
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: 97 applications in 2025, of which 58 were originated and 13 denied.
13.4% of all applications, or 15.9% of the applications it actually decided on. The Vermont statewide average across all lenders was 14.8%.
The median rate on loans Movement Mortgage originated in Vermont in 2025 was 6.53%, against a statewide median of 6.71%.
About this data. Figures are Movement 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