PNC Bank in Vermont vs the state
18.2%Denial rate+3.36 pts vs state
25.8%Decision denial rate+7.74 pts vs state
52.3%Origination rate-12.60 pts vs state
6.75%Median rate+0.04 pts vs state
0.42Rate spread (pts)+0.29 pts vs state
$124kMedian applicant income
23Loans originated
8Denied
Trend in Vermont
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 60 | 25 | 21.7% | 7.00% | #54 |
| 2024 | 47 | 20 | 31.9% | 8.59% | #58 |
| 2025 | 44 | 23 | 18.2% | 6.75% | #60 |
What PNC Bank lends in Vermont
By loan purpose
By loan type
Why it denied Vermont applicants
Where in Vermont
Counties with the most PNC Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Chittenden County | 6 | 4 | 0 | 0.0% |
| Washington County | 6 | 2 | 1 | 16.7% |
| Rutland County | 6 | 3 | 1 | 16.7% |
| Windham County | 6 | 2 | 1 | 16.7% |
| Orleans County | 4 | 1 | 2 | 50.0% |
| Franklin County | 4 | 3 | 0 | 0.0% |
| Bennington County | 3 | 2 | 0 | 0.0% |
| Windsor County | 3 | 3 | 0 | 0.0% |
| Orange County | 2 | 2 | 0 | 0.0% |
| Addison County | 2 | 0 | 2 | 100.0% |
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: 44 applications in 2025, of which 23 were originated and 8 denied.
18.2% of all applications, or 25.8% of the applications it actually decided on. The Vermont statewide average across all lenders was 14.8%.
The median rate on loans PNC Bank originated in Vermont in 2025 was 6.75%, against a statewide median of 6.71%.
About this data. Figures are PNC 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