Rocket Mortgage in Vermont vs the state
22.0%Denial rate+7.15 pts vs state
23.9%Decision denial rate+5.79 pts vs state
67.5%Origination rate+2.60 pts vs state
6.75%Median rate+0.04 pts vs state
0.64Rate spread (pts)+0.52 pts vs state
$99kMedian applicant income
786Loans originated
256Denied
Trend in Vermont
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 789 | 567 | 18.3% | 6.50% | #4 |
| 2024 | 928 | 706 | 15.7% | 6.75% | #3 |
| 2025 | 1,165 | 786 | 22.0% | 6.75% | #2 |
What Rocket Mortgage lends in Vermont
By loan purpose
By loan type
Why it denied Vermont applicants
Where in Vermont
Counties with the most Rocket Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Rutland County | 177 | 120 | 34 | 19.2% |
| Chittenden County | 163 | 109 | 31 | 19.0% |
| Windsor County | 141 | 96 | 32 | 22.7% |
| Washington County | 123 | 88 | 27 | 22.0% |
| Franklin County | 106 | 80 | 20 | 18.9% |
| Windham County | 94 | 64 | 22 | 23.4% |
| Bennington County | 71 | 49 | 13 | 18.3% |
| Orleans County | 67 | 39 | 20 | 29.9% |
| Orange County | 58 | 35 | 15 | 25.9% |
| Caledonia County | 50 | 31 | 14 | 28.0% |
Other large lenders in Vermont
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Eastrise Federal Credit Union | A | 3,529 | 5.1% | 6.50% |
| 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% |
| Northeast Home Loan | A | 524 | 2.1% | 6.50% |
Frequently asked questions
Vermont: 1,165 applications in 2025, of which 786 were originated and 256 denied.
22.0% of all applications, or 23.9% of the applications it actually decided on. The Vermont statewide average across all lenders was 14.8%.
The median rate on loans Rocket Mortgage originated in Vermont in 2025 was 6.75%, against a statewide median of 6.71%.
About this data. Figures are Rocket Mortgage'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