Peoples Trust Company of St. Albans in Vermont vs the state
8.7%Denial rate-6.17 pts vs state
9.7%Decision denial rate-8.34 pts vs state
79.3%Origination rate+14.46 pts vs state
—Median rate
—Rate spread (pts)
$116kMedian applicant income
165Loans originated
18Denied
Trend in Vermont
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 175 | 123 | 14.9% | — | #22 |
| 2024 | 200 | 152 | 12.5% | — | #20 |
| 2025 | 208 | 165 | 8.7% | — | #24 |
What Peoples Trust Company of St. Albans lends in Vermont
By loan purpose
By loan type
Why it denied Vermont applicants
Where in Vermont
Counties with the most Peoples Trust Company of St. Albans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Franklin County | 169 | 139 | 11 | 6.5% |
| Chittenden County | 16 | 13 | 1 | 6.3% |
| Lamoille County | 11 | 6 | 1 | 9.1% |
| Grand Isle County | 10 | 5 | 5 | 50.0% |
| Orleans County | 1 | 1 | 0 | 0.0% |
| Addison 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: 208 applications in 2025, of which 165 were originated and 18 denied.
8.7% of all applications, or 9.7% of the applications it actually decided on. The Vermont statewide average across all lenders was 14.8%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are Peoples Trust Company of St. Albans'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