Sofi Bank in Vermont vs the state
7.5%Denial rate-7.37 pts vs state
20.6%Decision denial rate+2.52 pts vs state
27.7%Origination rate-37.21 pts vs state
7.33%Median rate+0.63 pts vs state
0.88Rate spread (pts)+0.76 pts vs state
$132kMedian applicant income
26Loans originated
7Denied
Trend in Vermont
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 20 | 10 | 10.0% | 7.13% | #79 |
| 2024 | 29 | 11 | 10.3% | 6.99% | #68 |
| 2025 | 94 | 26 | 7.5% | 7.33% | #46 |
What Sofi Bank lends in Vermont
By loan purpose
By loan type
Why it denied Vermont applicants
Where in Vermont
Counties with the most Sofi Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Chittenden County | 22 | 9 | 3 | 13.6% |
| Windsor County | 17 | 5 | 0 | 0.0% |
| Windham County | 12 | 2 | 3 | 25.0% |
| Rutland County | 12 | 1 | 0 | 0.0% |
| Washington County | 6 | 0 | 0 | 0.0% |
| Orleans County | 5 | 1 | 0 | 0.0% |
| Bennington County | 4 | 2 | 0 | 0.0% |
| Lamoille County | 4 | 3 | 1 | 25.0% |
| Caledonia County | 4 | 2 | 0 | 0.0% |
| Addison County | 3 | 0 | 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: 94 applications in 2025, of which 26 were originated and 7 denied.
7.5% of all applications, or 20.6% of the applications it actually decided on. The Vermont statewide average across all lenders was 14.8%.
The median rate on loans Sofi Bank originated in Vermont in 2025 was 7.33%, against a statewide median of 6.71%.
About this data. Figures are Sofi 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