Farmers Bank & Trust in Vermont vs the state
15.4%Denial rate+0.56 pts vs state
20.0%Decision denial rate+1.93 pts vs state
53.9%Origination rate-11.02 pts vs state
6.38%Median rate-0.33 pts vs state
-0.07Rate spread (pts)-0.20 pts vs state
$225kMedian applicant income
7Loans originated
2Denied
Trend in Vermont
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 5 | 3 | 0.0% | 6.50% | #135 |
| 2024 | 5 | 1 | 0.0% | 6.25% | #126 |
| 2025 | 13 | 7 | 15.4% | 6.38% | #100 |
What Farmers Bank & Trust lends in Vermont
By loan purpose
By loan type
Why it denied Vermont applicants
Where in Vermont
Counties with the most Farmers Bank & Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Windham County | 3 | 2 | 0 | 0.0% |
| Addison County | 3 | 1 | 1 | 33.3% |
| Washington County | 2 | 1 | 0 | 0.0% |
| Chittenden County | 2 | 2 | 0 | 0.0% |
| Windsor County | 1 | 0 | 0 | 0.0% |
| Rutland County | 1 | 1 | 0 | 0.0% |
| Lamoille County | 1 | 0 | 1 | 100.0% |
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: 13 applications in 2025, of which 7 were originated and 2 denied.
15.4% of all applications, or 20.0% of the applications it actually decided on. The Vermont statewide average across all lenders was 14.8%.
The median rate on loans Farmers Bank & Trust originated in Vermont in 2025 was 6.38%, against a statewide median of 6.71%.
About this data. Figures are Farmers Bank & Trust'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