Largest lenders in Rutland County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Eastrise Federal Credit Union | A | 182 | 126 | 8.2% | 6.60% |
| 2 | Rocket Mortgage | C | 177 | 120 | 19.2% | 6.88% |
| 3 | Community Bank | D | 114 | 84 | 13.2% | 7.00% |
| 4 | Citizens Bank | C | 111 | 47 | 41.4% | 7.65% |
| 5 | Emm Loans | B | 74 | 63 | 0.0% | 6.75% |
| 6 | Manufacturers and Traders Trust | C | 66 | 45 | 21.2% | 5.99% |
| 7 | Guild Mortgage | A | 54 | 41 | 3.7% | 6.50% |
| 8 | Primelending, a Plainscapital | A | 52 | 44 | 3.9% | 6.55% |
| 9 | Mascoma Bank | B | 46 | 31 | 17.4% | 6.63% |
| 10 | TD Bank | D | 46 | 22 | 37.0% | 7.62% |
| 11 | AmeriSave Mortgage | D | 45 | 9 | 60.0% | 6.63% |
| 12 | Mortgage Research Center | C | 39 | 20 | 12.8% | 6.25% |
| 13 | Vermont Federal Credit Union | A | 38 | 30 | 13.2% | 6.50% |
| 14 | 21st Mortgage | F | 34 | 14 | 23.5% | 9.58% |
| 15 | Newrez | D | 31 | 8 | 25.8% | 8.69% |
| 16 | Bar Harbor Bank & Trust | D | 29 | 14 | 24.1% | 7.25% |
| 17 | Broker Solutions | D | 28 | 8 | 7.1% | 6.63% |
| 18 | Figure Lending | C | 28 | 6 | 39.3% | 9.75% |
| 19 | Bank of America | F | 20 | 7 | 25.0% | 5.49% |
| 20 | Better Mortgage | F | 20 | 6 | 30.0% | 8.12% |
| 21 | Northeast Home Loan | A | 20 | 16 | 0.0% | 6.19% |
| 22 | CMG Mortgage | A | 18 | 15 | 5.6% | 6.63% |
| 23 | The National Bank of Middlebury | B | 18 | 12 | 11.1% | — |
| 24 | Freedom Mortgage | B | 17 | 11 | 5.9% | 6.13% |
| 25 | Navy Federal Credit Union | D | 17 | 6 | 23.5% | 6.56% |
Best approval odds in Rutland County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Emm Loans | 66 | 0.0% |
| 2 | Eastrise Federal Credit Union | 143 | 10.5% |
| 3 | Community Bank | 100 | 15.0% |
| 4 | Rocket Mortgage | 160 | 21.3% |
| 5 | Manufacturers and Traders Trust | 61 | 23.0% |
| 6 | Citizens Bank | 100 | 46.0% |
What Rutland County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Rutland County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 1,339 | 785 | 19.5% | 6.75% | $155,000 |
| 2024 | 1,495 | 897 | 21.1% | 7.00% | $175,000 |
| 2025 | 1,702 | 983 | 19.2% | 6.75% | $195,000 |
Frequently asked questions
19.2% of applications in Rutland County were denied in 2025, against 14.8% statewide in Vermont.
Eastrise Federal Credit Union, with 182 applications in 2025 and a denial rate of 8.2%.
The median mortgage application in Rutland County in 2025 was for $195,000; the median property value on originated loans was $325,000.