TD Bank in Vermont vs the state
24.4%Denial rate+9.54 pts vs state
31.3%Decision denial rate+13.18 pts vs state
53.1%Origination rate-11.79 pts vs state
7.49%Median rate+0.79 pts vs state
0.40Rate spread (pts)+0.28 pts vs state
$114kMedian applicant income
207Loans originated
95Denied
Trend in Vermont
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 416 | 224 | 29.8% | 7.94% | #10 |
| 2024 | 426 | 220 | 28.6% | 8.54% | #13 |
| 2025 | 390 | 207 | 24.4% | 7.49% | #13 |
What TD Bank lends in Vermont
By loan purpose
By loan type
Why it denied Vermont applicants
Where in Vermont
Counties with the most TD Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Chittenden County | 102 | 62 | 19 | 18.6% |
| Rutland County | 46 | 22 | 17 | 37.0% |
| Windham County | 44 | 23 | 9 | 20.5% |
| Lamoille County | 36 | 21 | 6 | 16.7% |
| Washington County | 28 | 15 | 8 | 28.6% |
| Windsor County | 26 | 13 | 8 | 30.8% |
| Bennington County | 24 | 14 | 5 | 20.8% |
| Franklin County | 24 | 12 | 7 | 29.2% |
| Orleans County | 22 | 7 | 7 | 31.8% |
| Caledonia County | 19 | 11 | 3 | 15.8% |
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: 390 applications in 2025, of which 207 were originated and 95 denied.
24.4% of all applications, or 31.3% of the applications it actually decided on. The Vermont statewide average across all lenders was 14.8%.
The median rate on loans TD Bank originated in Vermont in 2025 was 7.49%, against a statewide median of 6.71%.
About this data. Figures are TD 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