802 Credit Union in Vermont vs the state
3.7%Denial rate-11.16 pts vs state
3.7%Decision denial rate-14.34 pts vs state
94.5%Origination rate+29.64 pts vs state
6.88%Median rate+0.17 pts vs state
0.62Rate spread (pts)+0.49 pts vs state
$97kMedian applicant income
310Loans originated
12Denied
Trend in Vermont
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 84 | 84 | 0.0% | 6.00% | #40 |
| 2024 | 295 | 295 | 0.0% | 6.88% | #17 |
| 2025 | 328 | 310 | 3.7% | 6.88% | #15 |
What 802 Credit Union lends in Vermont
By loan purpose
By loan type
Why it denied Vermont applicants
Where in Vermont
Counties with the most 802 Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Windham County | 185 | 177 | 6 | 3.2% |
| Windsor County | 71 | 64 | 5 | 7.0% |
| Orange County | 19 | 19 | 0 | 0.0% |
| Chittenden County | 18 | 18 | 0 | 0.0% |
| Washington County | 14 | 12 | 1 | 7.1% |
| Bennington County | 6 | 6 | 0 | 0.0% |
| Caledonia County | 4 | 3 | 0 | 0.0% |
| Addison County | 3 | 3 | 0 | 0.0% |
| Grand Isle County | 2 | 2 | 0 | 0.0% |
| Lamoille County | 2 | 2 | 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: 328 applications in 2025, of which 310 were originated and 12 denied.
3.7% of all applications, or 3.7% of the applications it actually decided on. The Vermont statewide average across all lenders was 14.8%.
The median rate on loans 802 Credit Union originated in Vermont in 2025 was 6.88%, against a statewide median of 6.71%.
About this data. Figures are 802 Credit Union'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