USAA Federal Savings Bank in Vermont vs the state
34.9%Denial rate+20.12 pts vs state
41.4%Decision denial rate+23.36 pts vs state
49.4%Origination rate-15.47 pts vs state
6.38%Median rate-0.33 pts vs state
-0.13Rate spread (pts)-0.26 pts vs state
$140kMedian applicant income
41Loans originated
29Denied
Trend in Vermont
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 65 | 27 | 23.1% | 6.50% | #48 |
| 2024 | 69 | 39 | 24.6% | 6.50% | #50 |
| 2025 | 83 | 41 | 34.9% | 6.38% | #50 |
What USAA Federal Savings Bank lends in Vermont
By loan purpose
By loan type
Why it denied Vermont applicants
Where in Vermont
Counties with the most USAA Federal Savings Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Washington County | 13 | 8 | 3 | 23.1% |
| Windham County | 11 | 3 | 6 | 54.5% |
| Caledonia County | 9 | 5 | 3 | 33.3% |
| Chittenden County | 9 | 1 | 4 | 44.4% |
| Orleans County | 8 | 5 | 3 | 37.5% |
| Windsor County | 8 | 3 | 3 | 37.5% |
| Rutland County | 8 | 2 | 5 | 62.5% |
| Lamoille County | 5 | 4 | 1 | 20.0% |
| Franklin County | 4 | 4 | 0 | 0.0% |
| Addison County | 3 | 3 | 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: 83 applications in 2025, of which 41 were originated and 29 denied.
34.9% of all applications, or 41.4% of the applications it actually decided on. The Vermont statewide average across all lenders was 14.8%.
The median rate on loans USAA Federal Savings Bank originated in Vermont in 2025 was 6.38%, against a statewide median of 6.71%.
About this data. Figures are USAA Federal Savings 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