The Federal Savings Bank in Vermont vs the state
3.9%Denial rate-10.97 pts vs state
10.0%Decision denial rate-8.07 pts vs state
34.6%Origination rate-30.25 pts vs state
6.75%Median rate+0.04 pts vs state
0.32Rate spread (pts)+0.20 pts vs state
$88kMedian applicant income
9Loans originated
1Denied
Trend in Vermont
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 29 | 9 | 10.3% | 6.50% | #68 |
| 2024 | 28 | 11 | 3.6% | 6.88% | #69 |
| 2025 | 26 | 9 | 3.9% | 6.75% | #71 |
What The Federal Savings Bank lends in Vermont
By loan purpose
By loan type
Why it denied Vermont applicants
Where in Vermont
Counties with the most The Federal Savings Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Franklin County | 5 | 3 | 0 | 0.0% |
| Chittenden County | 4 | 1 | 0 | 0.0% |
| Windsor County | 4 | 1 | 1 | 25.0% |
| Orleans County | 3 | 0 | 0 | 0.0% |
| Bennington County | 3 | 1 | 0 | 0.0% |
| Washington County | 2 | 1 | 0 | 0.0% |
| Essex County | 2 | 2 | 0 | 0.0% |
| Grand Isle County | 1 | 0 | 0 | 0.0% |
| Addison County | 1 | 0 | 0 | 0.0% |
| Windham 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: 26 applications in 2025, of which 9 were originated and 1 denied.
3.9% of all applications, or 10.0% of the applications it actually decided on. The Vermont statewide average across all lenders was 14.8%.
The median rate on loans The Federal Savings Bank originated in Vermont in 2025 was 6.75%, against a statewide median of 6.71%.
About this data. Figures are The Federal Savings 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