Mutual of Omaha Mortgage in Vermont vs the state
16.2%Denial rate+1.40 pts vs state
22.2%Decision denial rate+4.15 pts vs state
55.9%Origination rate-9.01 pts vs state
6.25%Median rate-0.46 pts vs state
0.51Rate spread (pts)+0.38 pts vs state
$74kMedian applicant income
62Loans originated
18Denied
Trend in Vermont
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 51 | 27 | 27.5% | 7.23% | #57 |
| 2024 | 90 | 33 | 25.6% | 6.63% | #41 |
| 2025 | 111 | 62 | 16.2% | 6.25% | #38 |
What Mutual of Omaha Mortgage lends in Vermont
By loan purpose
By loan type
Why it denied Vermont applicants
Where in Vermont
Counties with the most Mutual of Omaha Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Washington County | 15 | 8 | 2 | 13.3% |
| Chittenden County | 13 | 10 | 1 | 7.7% |
| Windham County | 11 | 5 | 3 | 27.3% |
| Franklin County | 10 | 8 | 0 | 0.0% |
| Windsor County | 10 | 6 | 0 | 0.0% |
| Caledonia County | 9 | 7 | 1 | 11.1% |
| Orange County | 9 | 6 | 1 | 11.1% |
| Lamoille County | 8 | 4 | 3 | 37.5% |
| Rutland County | 8 | 2 | 2 | 25.0% |
| Bennington County | 7 | 4 | 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: 111 applications in 2025, of which 62 were originated and 18 denied.
16.2% of all applications, or 22.2% of the applications it actually decided on. The Vermont statewide average across all lenders was 14.8%.
The median rate on loans Mutual of Omaha Mortgage originated in Vermont in 2025 was 6.25%, against a statewide median of 6.71%.
About this data. Figures are Mutual of Omaha 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