Union Bank in Vermont vs the state
4.5%Denial rate-10.30 pts vs state
5.1%Decision denial rate-12.94 pts vs state
83.2%Origination rate+18.28 pts vs state
6.63%Median rate-0.08 pts vs state
0.20Rate spread (pts)+0.08 pts vs state
$120kMedian applicant income
533Loans originated
29Denied
Trend in Vermont
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 612 | 501 | 7.5% | 6.75% | #7 |
| 2024 | 644 | 497 | 9.0% | 6.88% | #6 |
| 2025 | 641 | 533 | 4.5% | 6.63% | #8 |
What Union Bank lends in Vermont
By loan purpose
By loan type
Why it denied Vermont applicants
Where in Vermont
Counties with the most Union Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Chittenden County | 152 | 133 | 5 | 3.3% |
| Orleans County | 87 | 70 | 3 | 3.4% |
| Caledonia County | 85 | 68 | 9 | 10.6% |
| Lamoille County | 84 | 70 | 3 | 3.6% |
| Franklin County | 78 | 63 | 5 | 6.4% |
| Washington County | 71 | 61 | 2 | 2.8% |
| Addison County | 20 | 15 | 1 | 5.0% |
| Orange County | 18 | 14 | 0 | 0.0% |
| Essex County | 15 | 12 | 0 | 0.0% |
| Grand Isle County | 12 | 11 | 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% |
| Manufacturers and Traders Trust | C | 617 | 30.8% | 5.99% |
| Community Bank | D | 607 | 13.3% | 7.00% |
| Northeast Home Loan | A | 524 | 2.1% | 6.50% |
Frequently asked questions
Vermont: 641 applications in 2025, of which 533 were originated and 29 denied.
4.5% of all applications, or 5.1% of the applications it actually decided on. The Vermont statewide average across all lenders was 14.8%.
The median rate on loans Union Bank originated in Vermont in 2025 was 6.63%, against a statewide median of 6.71%.
About this data. Figures are Union 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