Farm Credit East, ACA in Vermont vs the state
0.0%Denial rate-14.82 pts vs state
0.0%Decision denial rate-18.07 pts vs state
84.9%Origination rate+19.98 pts vs state
7.25%Median rate+0.54 pts vs state
0.13Rate spread (pts)0.00 pts vs state
$122kMedian applicant income
28Loans originated
0Denied
Trend in Vermont
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 30 | 27 | 6.7% | 7.65% | #66 |
| 2024 | 22 | 16 | 4.6% | 8.00% | #72 |
| 2025 | 33 | 28 | 0.0% | 7.25% | #66 |
What Farm Credit East, ACA lends in Vermont
By loan purpose
By loan type
Where in Vermont
Counties with the most Farm Credit East, ACA applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Franklin County | 5 | 4 | 0 | 0.0% |
| Orange County | 5 | 4 | 0 | 0.0% |
| Lamoille County | 4 | 3 | 0 | 0.0% |
| Addison County | 4 | 4 | 0 | 0.0% |
| Windham County | 3 | 3 | 0 | 0.0% |
| Windsor County | 3 | 3 | 0 | 0.0% |
| Bennington County | 2 | 1 | 0 | 0.0% |
| Caledonia County | 2 | 2 | 0 | 0.0% |
| Essex County | 1 | 0 | 0 | 0.0% |
| Chittenden County | 1 | 1 | 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: 33 applications in 2025, of which 28 were originated and 0 denied.
0.0% of all applications, or 0.0% of the applications it actually decided on. The Vermont statewide average across all lenders was 14.8%.
The median rate on loans Farm Credit East, ACA originated in Vermont in 2025 was 7.25%, against a statewide median of 6.71%.
About this data. Figures are Farm Credit East, ACA'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