U.S. Bank in Vermont vs the state
50.3%Denial rate+35.52 pts vs state
58.4%Decision denial rate+40.33 pts vs state
35.9%Origination rate-29.01 pts vs state
6.99%Median rate+0.29 pts vs state
0.56Rate spread (pts)+0.43 pts vs state
$119kMedian applicant income
52Loans originated
73Denied
Trend in Vermont
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 123 | 43 | 51.2% | 7.50% | #28 |
| 2024 | 101 | 38 | 44.6% | 6.88% | #35 |
| 2025 | 145 | 52 | 50.3% | 6.99% | #32 |
What U.S. Bank lends in Vermont
By loan purpose
By loan type
Why it denied Vermont applicants
Where in Vermont
Counties with the most U.S. Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Chittenden County | 25 | 7 | 13 | 52.0% |
| Rutland County | 15 | 6 | 5 | 33.3% |
| Franklin County | 15 | 4 | 10 | 66.7% |
| Windham County | 15 | 8 | 5 | 33.3% |
| Washington County | 14 | 8 | 5 | 35.7% |
| Bennington County | 13 | 8 | 3 | 23.1% |
| Caledonia County | 13 | 3 | 8 | 61.5% |
| Windsor County | 12 | 3 | 8 | 66.7% |
| Orleans County | 8 | 0 | 7 | 87.5% |
| Lamoille County | 5 | 4 | 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: 145 applications in 2025, of which 52 were originated and 73 denied.
50.3% of all applications, or 58.4% of the applications it actually decided on. The Vermont statewide average across all lenders was 14.8%.
The median rate on loans U.S. Bank originated in Vermont in 2025 was 6.99%, against a statewide median of 6.71%.
About this data. Figures are U.S. 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