Finance of America Reverse in Vermont vs the state
5.3%Denial rate-9.56 pts vs state
9.1%Decision denial rate-8.98 pts vs state
52.6%Origination rate-12.24 pts vs state
6.13%Median rate-0.58 pts vs state
—Rate spread (pts)
$28kMedian applicant income
10Loans originated
1Denied
Trend in Vermont
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 17 | 10 | 23.5% | 7.92% | #86 |
| 2024 | 17 | 9 | 29.4% | 7.09% | #81 |
| 2025 | 19 | 10 | 5.3% | 6.13% | #84 |
What Finance of America Reverse lends in Vermont
By loan purpose
By loan type
Why it denied Vermont applicants
Where in Vermont
Counties with the most Finance of America Reverse applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Chittenden County | 4 | 4 | 0 | 0.0% |
| Franklin County | 2 | 1 | 0 | 0.0% |
| Rutland County | 2 | 2 | 0 | 0.0% |
| Bennington County | 2 | 1 | 0 | 0.0% |
| Addison County | 2 | 0 | 0 | 0.0% |
| Caledonia County | 2 | 1 | 0 | 0.0% |
| Lamoille County | 1 | 0 | 0 | 0.0% |
| Orange County | 1 | 0 | 0 | 0.0% |
| Windham County | 1 | 1 | 0 | 0.0% |
| Grand Isle 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: 19 applications in 2025, of which 10 were originated and 1 denied.
5.3% of all applications, or 9.1% of the applications it actually decided on. The Vermont statewide average across all lenders was 14.8%.
The median rate on loans Finance of America Reverse originated in Vermont in 2025 was 6.13%, against a statewide median of 6.71%.
About this data. Figures are Finance of America Reverse'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