United Shore Financial Services in Vermont vs the state
9.1%Denial rate-5.69 pts vs state
10.6%Decision denial rate-7.49 pts vs state
75.8%Origination rate+10.93 pts vs state
6.36%Median rate-0.34 pts vs state
-0.01Rate spread (pts)-0.13 pts vs state
$130kMedian applicant income
166Loans originated
20Denied
Trend in Vermont
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 115 | 91 | 7.0% | 6.75% | #31 |
| 2024 | 126 | 95 | 7.1% | 6.62% | #30 |
| 2025 | 219 | 166 | 9.1% | 6.36% | #21 |
What United Shore Financial Services lends in Vermont
By loan purpose
By loan type
Why it denied Vermont applicants
Where in Vermont
Counties with the most United Shore Financial Services applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Chittenden County | 75 | 62 | 4 | 5.3% |
| Windsor County | 35 | 24 | 7 | 20.0% |
| Franklin County | 22 | 19 | 1 | 4.5% |
| Windham County | 15 | 7 | 3 | 20.0% |
| Rutland County | 14 | 12 | 0 | 0.0% |
| Washington County | 13 | 8 | 1 | 7.7% |
| Orange County | 12 | 10 | 1 | 8.3% |
| Lamoille County | 11 | 7 | 1 | 9.1% |
| Grand Isle County | 6 | 5 | 0 | 0.0% |
| Bennington County | 5 | 3 | 1 | 20.0% |
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: 219 applications in 2025, of which 166 were originated and 20 denied.
9.1% of all applications, or 10.6% of the applications it actually decided on. The Vermont statewide average across all lenders was 14.8%.
The median rate on loans United Shore Financial Services originated in Vermont in 2025 was 6.36%, against a statewide median of 6.71%.
About this data. Figures are United Shore 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