Wells Fargo Bank in Vermont vs the state
13.0%Denial rate-1.86 pts vs state
20.6%Decision denial rate+2.52 pts vs state
50.0%Origination rate-14.87 pts vs state
6.50%Median rate-0.21 pts vs state
0.28Rate spread (pts)+0.16 pts vs state
$183kMedian applicant income
27Loans originated
7Denied
Trend in Vermont
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 84 | 36 | 25.0% | 6.44% | #39 |
| 2024 | 67 | 30 | 14.9% | 6.56% | #51 |
| 2025 | 54 | 27 | 13.0% | 6.50% | #56 |
What Wells Fargo Bank lends in Vermont
By loan purpose
By loan type
Why it denied Vermont applicants
Where in Vermont
Counties with the most Wells Fargo Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Windsor County | 12 | 8 | 2 | 16.7% |
| Windham County | 11 | 5 | 1 | 9.1% |
| Bennington County | 5 | 4 | 1 | 20.0% |
| Orange County | 5 | 1 | 2 | 40.0% |
| Rutland County | 5 | 1 | 0 | 0.0% |
| Chittenden County | 4 | 3 | 0 | 0.0% |
| Lamoille County | 3 | 2 | 0 | 0.0% |
| Caledonia County | 2 | 1 | 0 | 0.0% |
| Franklin County | 2 | 0 | 1 | 50.0% |
| Orleans County | 2 | 0 | 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: 54 applications in 2025, of which 27 were originated and 7 denied.
13.0% of all applications, or 20.6% of the applications it actually decided on. The Vermont statewide average across all lenders was 14.8%.
The median rate on loans Wells Fargo Bank originated in Vermont in 2025 was 6.50%, against a statewide median of 6.71%.
About this data. Figures are Wells Fargo 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