Synergy One Lending in Vermont vs the state
4.4%Denial rate-10.47 pts vs state
5.0%Decision denial rate-13.07 pts vs state
82.6%Origination rate+17.74 pts vs state
6.88%Median rate+0.17 pts vs state
0.40Rate spread (pts)+0.27 pts vs state
$143kMedian applicant income
19Loans originated
1Denied
What Synergy One Lending lends in Vermont
By loan purpose
By loan type
Why it denied Vermont applicants
Where in Vermont
Counties with the most Synergy One Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Chittenden County | 12 | 11 | 0 | 0.0% |
| Franklin County | 3 | 3 | 0 | 0.0% |
| Addison County | 2 | 1 | 1 | 50.0% |
| Grand Isle County | 2 | 2 | 0 | 0.0% |
| Rutland County | 2 | 2 | 0 | 0.0% |
| Lamoille County | 1 | 0 | 0 | 0.0% |
| Washington County | 1 | 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: 23 applications in 2025, of which 19 were originated and 1 denied.
4.4% of all applications, or 5.0% of the applications it actually decided on. The Vermont statewide average across all lenders was 14.8%.
The median rate on loans Synergy One Lending originated in Vermont in 2025 was 6.88%, against a statewide median of 6.71%.
About this data. Figures are Synergy One Lending'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