Msa Mortgage in Vermont vs the state
5.1%Denial rate-9.69 pts vs state
5.7%Decision denial rate-12.36 pts vs state
84.6%Origination rate+19.75 pts vs state
6.75%Median rate+0.04 pts vs state
0.17Rate spread (pts)+0.04 pts vs state
$187kMedian applicant income
33Loans originated
2Denied
Trend in Vermont
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 47 | 38 | 2.1% | 7.00% | #59 |
| 2024 | 38 | 28 | 2.6% | 6.94% | #61 |
| 2025 | 39 | 33 | 5.1% | 6.75% | #63 |
What Msa Mortgage lends in Vermont
By loan purpose
By loan type
Why it denied Vermont applicants
Where in Vermont
Counties with the most Msa Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Washington County | 34 | 28 | 2 | 5.9% |
| Addison County | 1 | 1 | 0 | 0.0% |
| Caledonia County | 1 | 1 | 0 | 0.0% |
| Lamoille County | 1 | 1 | 0 | 0.0% |
| Chittenden 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: 39 applications in 2025, of which 33 were originated and 2 denied.
5.1% of all applications, or 5.7% of the applications it actually decided on. The Vermont statewide average across all lenders was 14.8%.
The median rate on loans Msa Mortgage originated in Vermont in 2025 was 6.75%, against a statewide median of 6.71%.
About this data. Figures are Msa 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