Northeast Home Loan in Vermont vs the state
2.1%Denial rate-12.72 pts vs state
2.3%Decision denial rate-15.73 pts vs state
87.4%Origination rate+22.53 pts vs state
6.50%Median rate-0.21 pts vs state
-0.04Rate spread (pts)-0.16 pts vs state
$140kMedian applicant income
458Loans originated
11Denied
Trend in Vermont
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 551 | 475 | 4.7% | 6.75% | #9 |
| 2024 | 534 | 467 | 2.4% | 6.63% | #11 |
| 2025 | 524 | 458 | 2.1% | 6.50% | #11 |
What Northeast Home Loan lends in Vermont
By loan purpose
By loan type
Why it denied Vermont applicants
Where in Vermont
Counties with the most Northeast Home Loan applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Chittenden County | 250 | 225 | 3 | 1.2% |
| Washington County | 75 | 66 | 2 | 2.7% |
| Franklin County | 32 | 29 | 0 | 0.0% |
| Addison County | 27 | 26 | 0 | 0.0% |
| Caledonia County | 23 | 21 | 0 | 0.0% |
| Windsor County | 21 | 16 | 1 | 4.8% |
| Rutland County | 20 | 16 | 0 | 0.0% |
| Lamoille County | 19 | 16 | 0 | 0.0% |
| Orleans County | 15 | 11 | 1 | 6.7% |
| Windham County | 14 | 11 | 1 | 7.1% |
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: 524 applications in 2025, of which 458 were originated and 11 denied.
2.1% of all applications, or 2.3% of the applications it actually decided on. The Vermont statewide average across all lenders was 14.8%.
The median rate on loans Northeast Home Loan originated in Vermont in 2025 was 6.50%, against a statewide median of 6.71%.
About this data. Figures are Northeast Home Loan'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