Zillow Home Loans in Vermont vs the state
25.0%Denial rate+10.18 pts vs state
33.3%Decision denial rate+15.26 pts vs state
50.0%Origination rate-14.87 pts vs state
6.75%Median rate+0.04 pts vs state
0.36Rate spread (pts)+0.24 pts vs state
$191kMedian applicant income
6Loans originated
3Denied
Trend in Vermont
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 21 | 15 | 4.8% | 6.63% | #73 |
| 2025 | 12 | 6 | 25.0% | 6.75% | #101 |
What Zillow Home Loans lends in Vermont
By loan purpose
By loan type
Why it denied Vermont applicants
Where in Vermont
Counties with the most Zillow Home Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Rutland County | 3 | 2 | 1 | 33.3% |
| Windsor County | 2 | 1 | 0 | 0.0% |
| Lamoille County | 2 | 1 | 1 | 50.0% |
| Chittenden County | 1 | 0 | 0 | 0.0% |
| Washington County | 1 | 1 | 0 | 0.0% |
| Bennington County | 1 | 1 | 0 | 0.0% |
| Orleans County | 1 | 0 | 1 | 100.0% |
| Windham County | 1 | 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: 12 applications in 2025, of which 6 were originated and 3 denied.
25.0% of all applications, or 33.3% of the applications it actually decided on. The Vermont statewide average across all lenders was 14.8%.
The median rate on loans Zillow Home Loans originated in Vermont in 2025 was 6.75%, against a statewide median of 6.71%.
About this data. Figures are Zillow Home Loans'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