Triad Financial Services in Vermont vs the state
60.0%Denial rate+45.18 pts vs state
60.0%Decision denial rate+41.93 pts vs state
20.0%Origination rate-44.87 pts vs state
8.08%Median rate+1.38 pts vs state
2.31Rate spread (pts)+2.18 pts vs state
$62kMedian applicant income
1Loans originated
3Denied
Trend in Vermont
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 9 | 3 | 22.2% | 5.75% | #105 |
| 2025 | 5 | 1 | 60.0% | 8.08% | #143 |
What Triad Financial Services lends in Vermont
By loan purpose
By loan type
Why it denied Vermont applicants
Where in Vermont
Counties with the most Triad Financial Services applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Washington County | 2 | 1 | 1 | 50.0% |
| Rutland County | 1 | 0 | 1 | 100.0% |
| Windsor County | 1 | 0 | 1 | 100.0% |
| Grand Isle 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: 5 applications in 2025, of which 1 were originated and 3 denied.
60.0% of all applications, or 60.0% of the applications it actually decided on. The Vermont statewide average across all lenders was 14.8%.
The median rate on loans Triad Financial Services originated in Vermont in 2025 was 8.08%, against a statewide median of 6.71%.
About this data. Figures are Triad Financial Services'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