Northfield Savings Bank in Vermont vs the state
9.7%Denial rate-5.10 pts vs state
11.5%Decision denial rate-6.55 pts vs state
70.5%Origination rate+5.66 pts vs state
6.50%Median rate-0.21 pts vs state
-0.02Rate spread (pts)-0.15 pts vs state
$130kMedian applicant income
225Loans originated
31Denied
Trend in Vermont
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 395 | 227 | 17.0% | 6.52% | #12 |
| 2024 | 369 | 257 | 10.6% | 6.57% | #14 |
| 2025 | 319 | 225 | 9.7% | 6.50% | #16 |
What Northfield Savings Bank lends in Vermont
By loan purpose
By loan type
Why it denied Vermont applicants
Where in Vermont
Counties with the most Northfield Savings Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Washington County | 138 | 101 | 8 | 5.8% |
| Chittenden County | 75 | 59 | 7 | 9.3% |
| Orange County | 39 | 27 | 6 | 15.4% |
| Windsor County | 13 | 7 | 3 | 23.1% |
| Addison County | 12 | 5 | 1 | 8.3% |
| Lamoille County | 12 | 9 | 1 | 8.3% |
| Caledonia County | 9 | 6 | 1 | 11.1% |
| Franklin County | 8 | 5 | 1 | 12.5% |
| Rutland County | 6 | 1 | 2 | 33.3% |
| Windham County | 2 | 0 | 1 | 50.0% |
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: 319 applications in 2025, of which 225 were originated and 31 denied.
9.7% of all applications, or 11.5% of the applications it actually decided on. The Vermont statewide average across all lenders was 14.8%.
The median rate on loans Northfield Savings Bank originated in Vermont in 2025 was 6.50%, against a statewide median of 6.71%.
About this data. Figures are Northfield Savings 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