UBS Bank USA in Vermont vs the state
5.9%Denial rate-8.94 pts vs state
7.1%Decision denial rate-10.93 pts vs state
76.5%Origination rate+11.60 pts vs state
6.25%Median rate-0.46 pts vs state
-0.14Rate spread (pts)-0.27 pts vs state
$528kMedian applicant income
13Loans originated
1Denied
Trend in Vermont
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 12 | 5 | 33.3% | 6.25% | #94 |
| 2024 | 17 | 13 | 11.8% | 6.63% | #82 |
| 2025 | 17 | 13 | 5.9% | 6.25% | #87 |
What UBS Bank USA lends in Vermont
By loan purpose
By loan type
Why it denied Vermont applicants
Where in Vermont
Counties with the most UBS Bank USA applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Chittenden County | 4 | 4 | 0 | 0.0% |
| Windsor County | 3 | 1 | 0 | 0.0% |
| Lamoille County | 3 | 3 | 0 | 0.0% |
| Windham County | 2 | 2 | 0 | 0.0% |
| Rutland County | 2 | 0 | 1 | 50.0% |
| Washington County | 1 | 1 | 0 | 0.0% |
| Bennington County | 1 | 1 | 0 | 0.0% |
| Franklin 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: 17 applications in 2025, of which 13 were originated and 1 denied.
5.9% of all applications, or 7.1% of the applications it actually decided on. The Vermont statewide average across all lenders was 14.8%.
The median rate on loans UBS Bank USA originated in Vermont in 2025 was 6.25%, against a statewide median of 6.71%.
About this data. Figures are UBS Bank USA'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