Reliance First Capital in Vermont vs the state
12.5%Denial rate-2.32 pts vs state
16.7%Decision denial rate-1.40 pts vs state
62.5%Origination rate-2.37 pts vs state
6.38%Median rate-0.33 pts vs state
0.58Rate spread (pts)+0.45 pts vs state
$116kMedian applicant income
5Loans originated
1Denied
Trend in Vermont
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 28 | 23 | 3.6% | 6.75% | #70 |
| 2024 | 18 | 14 | 5.6% | 6.63% | #80 |
| 2025 | 8 | 5 | 12.5% | 6.38% | #121 |
What Reliance First Capital lends in Vermont
By loan purpose
By loan type
Why it denied Vermont applicants
Where in Vermont
Counties with the most Reliance First Capital applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Orange County | 3 | 2 | 1 | 33.3% |
| Windsor County | 2 | 1 | 0 | 0.0% |
| Chittenden County | 1 | 0 | 0 | 0.0% |
| Rutland County | 1 | 1 | 0 | 0.0% |
| Windham 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: 8 applications in 2025, of which 5 were originated and 1 denied.
12.5% of all applications, or 16.7% of the applications it actually decided on. The Vermont statewide average across all lenders was 14.8%.
The median rate on loans Reliance First Capital originated in Vermont in 2025 was 6.38%, against a statewide median of 6.71%.
About this data. Figures are Reliance First Capital'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