The National Bank of Middlebury in Vermont vs the state
5.1%Denial rate-9.69 pts vs state
6.5%Decision denial rate-11.62 pts vs state
74.4%Origination rate+9.49 pts vs state
—Median rate
—Rate spread (pts)
$121kMedian applicant income
116Loans originated
8Denied
Trend in Vermont
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 188 | 140 | 7.5% | — | #20 |
| 2024 | 162 | 126 | 4.9% | — | #26 |
| 2025 | 156 | 116 | 5.1% | — | #31 |
What The National Bank of Middlebury lends in Vermont
By loan purpose
By loan type
Why it denied Vermont applicants
Where in Vermont
Counties with the most The National Bank of Middlebury applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Addison County | 112 | 83 | 6 | 5.4% |
| Rutland County | 18 | 12 | 2 | 11.1% |
| Washington County | 11 | 9 | 0 | 0.0% |
| Chittenden County | 10 | 8 | 0 | 0.0% |
| Franklin County | 2 | 2 | 0 | 0.0% |
| Windsor County | 2 | 1 | 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: 156 applications in 2025, of which 116 were originated and 8 denied.
5.1% of all applications, or 6.5% of the applications it actually decided on. The Vermont statewide average across all lenders was 14.8%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are The National Bank of Middlebury'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