NBT Bank in Vermont vs the state
18.5%Denial rate+3.66 pts vs state
21.5%Decision denial rate+3.45 pts vs state
62.0%Origination rate-2.91 pts vs state
5.25%Median rate-1.46 pts vs state
-3.33Rate spread (pts)-3.46 pts vs state
$183kMedian applicant income
57Loans originated
17Denied
Trend in Vermont
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 72 | 44 | 15.3% | 3.50% | #46 |
| 2024 | 74 | 50 | 13.5% | 5.50% | #47 |
| 2025 | 92 | 57 | 18.5% | 5.25% | #47 |
What NBT Bank lends in Vermont
By loan purpose
By loan type
Why it denied Vermont applicants
Where in Vermont
Counties with the most NBT Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Chittenden County | 54 | 35 | 6 | 11.1% |
| Rutland County | 9 | 6 | 2 | 22.2% |
| Franklin County | 6 | 2 | 2 | 33.3% |
| Windham County | 5 | 4 | 0 | 0.0% |
| Addison County | 4 | 3 | 1 | 25.0% |
| Washington County | 4 | 2 | 2 | 50.0% |
| Grand Isle County | 3 | 1 | 2 | 66.7% |
| Bennington County | 2 | 1 | 1 | 50.0% |
| Lamoille County | 2 | 1 | 1 | 50.0% |
| 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: 92 applications in 2025, of which 57 were originated and 17 denied.
18.5% of all applications, or 21.5% of the applications it actually decided on. The Vermont statewide average across all lenders was 14.8%.
The median rate on loans NBT Bank originated in Vermont in 2025 was 5.25%, against a statewide median of 6.71%.
About this data. Figures are NBT Bank'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