Newrez in Vermont vs the state
20.9%Denial rate+6.06 pts vs state
39.6%Decision denial rate+21.51 pts vs state
30.8%Origination rate-34.10 pts vs state
6.69%Median rate-0.02 pts vs state
0.60Rate spread (pts)+0.48 pts vs state
$98kMedian applicant income
84Loans originated
57Denied
Trend in Vermont
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 64 | 10 | 25.0% | 6.99% | #50 |
| 2024 | 191 | 52 | 21.5% | 6.99% | #21 |
| 2025 | 273 | 84 | 20.9% | 6.69% | #18 |
What Newrez lends in Vermont
By loan purpose
By loan type
Why it denied Vermont applicants
Where in Vermont
Counties with the most Newrez applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Chittenden County | 53 | 19 | 7 | 13.2% |
| Franklin County | 37 | 10 | 5 | 13.5% |
| Washington County | 32 | 10 | 4 | 12.5% |
| Rutland County | 31 | 8 | 8 | 25.8% |
| Windsor County | 22 | 7 | 9 | 40.9% |
| Windham County | 16 | 3 | 3 | 18.8% |
| Lamoille County | 14 | 3 | 2 | 14.3% |
| Bennington County | 14 | 7 | 0 | 0.0% |
| Addison County | 14 | 3 | 7 | 50.0% |
| Orange County | 13 | 4 | 4 | 30.8% |
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: 273 applications in 2025, of which 84 were originated and 57 denied.
20.9% of all applications, or 39.6% of the applications it actually decided on. The Vermont statewide average across all lenders was 14.8%.
The median rate on loans Newrez originated in Vermont in 2025 was 6.69%, against a statewide median of 6.71%.
About this data. Figures are Newrez'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