T2 Financial in Vermont vs the state
20.0%Denial rate+5.18 pts vs state
28.6%Decision denial rate+10.50 pts vs state
50.0%Origination rate-14.87 pts vs state
6.75%Median rate+0.04 pts vs state
0.83Rate spread (pts)+0.70 pts vs state
$119kMedian applicant income
5Loans originated
2Denied
What T2 Financial lends in Vermont
By loan purpose
By loan type
Why it denied Vermont applicants
Where in Vermont
Counties with the most T2 Financial applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Bennington County | 3 | 2 | 1 | 33.3% |
| Windham County | 2 | 1 | 1 | 50.0% |
| Rutland County | 2 | 1 | 0 | 0.0% |
| Windsor County | 1 | 0 | 0 | 0.0% |
| Washington County | 1 | 0 | 0 | 0.0% |
| Orleans 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: 10 applications in 2025, of which 5 were originated and 2 denied.
20.0% of all applications, or 28.6% of the applications it actually decided on. The Vermont statewide average across all lenders was 14.8%.
The median rate on loans T2 Financial originated in Vermont in 2025 was 6.75%, against a statewide median of 6.71%.
About this data. Figures are T2 Financial'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