Pennymac Loan Services in Vermont vs the state
10.5%Denial rate-4.32 pts vs state
17.3%Decision denial rate-0.80 pts vs state
45.9%Origination rate-19.01 pts vs state
6.13%Median rate-0.58 pts vs state
0.01Rate spread (pts)-0.11 pts vs state
$113kMedian applicant income
83Loans originated
19Denied
Trend in Vermont
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 157 | 99 | 10.8% | 6.25% | #23 |
| 2024 | 111 | 64 | 16.2% | 6.00% | #32 |
| 2025 | 181 | 83 | 10.5% | 6.13% | #28 |
What Pennymac Loan Services lends in Vermont
By loan purpose
By loan type
Why it denied Vermont applicants
Where in Vermont
Counties with the most Pennymac Loan Services applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Chittenden County | 32 | 17 | 3 | 9.4% |
| Franklin County | 30 | 10 | 3 | 10.0% |
| Windham County | 24 | 16 | 0 | 0.0% |
| Washington County | 16 | 6 | 3 | 18.8% |
| Rutland County | 16 | 6 | 4 | 25.0% |
| Windsor County | 15 | 5 | 2 | 13.3% |
| Orleans County | 9 | 2 | 1 | 11.1% |
| Addison County | 8 | 6 | 0 | 0.0% |
| Bennington County | 8 | 4 | 1 | 12.5% |
| Lamoille County | 7 | 3 | 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: 181 applications in 2025, of which 83 were originated and 19 denied.
10.5% of all applications, or 17.3% of the applications it actually decided on. The Vermont statewide average across all lenders was 14.8%.
The median rate on loans Pennymac Loan Services originated in Vermont in 2025 was 6.13%, against a statewide median of 6.71%.
About this data. Figures are Pennymac Loan Services'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