Eastrise Federal Credit Union in Vermont vs the state
5.1%Denial rate-9.75 pts vs state
6.3%Decision denial rate-11.75 pts vs state
74.6%Origination rate+9.71 pts vs state
6.50%Median rate-0.21 pts vs state
-0.19Rate spread (pts)-0.32 pts vs state
$119kMedian applicant income
2,632Loans originated
179Denied
Trend in Vermont
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 3,257 | 2,278 | 7.0% | 7.00% | #1 |
| 2024 | 3,052 | 2,206 | 6.0% | 7.25% | #1 |
| 2025 | 3,529 | 2,632 | 5.1% | 6.50% | #1 |
What Eastrise Federal Credit Union lends in Vermont
By loan purpose
By loan type
Why it denied Vermont applicants
Where in Vermont
Counties with the most Eastrise Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Chittenden County | 1,553 | 1,213 | 55 | 3.5% |
| Washington County | 470 | 350 | 24 | 5.1% |
| Franklin County | 426 | 312 | 21 | 4.9% |
| Rutland County | 182 | 126 | 15 | 8.2% |
| Addison County | 170 | 122 | 7 | 4.1% |
| Lamoille County | 154 | 105 | 17 | 11.0% |
| Caledonia County | 101 | 77 | 9 | 8.9% |
| Grand Isle County | 89 | 63 | 2 | 2.2% |
| Orange County | 85 | 62 | 7 | 8.2% |
| Windham County | 82 | 54 | 8 | 9.8% |
Other large lenders in Vermont
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| 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% |
| Northeast Home Loan | A | 524 | 2.1% | 6.50% |
Frequently asked questions
Vermont: 3,529 applications in 2025, of which 2,632 were originated and 179 denied.
5.1% of all applications, or 6.3% of the applications it actually decided on. The Vermont statewide average across all lenders was 14.8%.
The median rate on loans Eastrise Federal Credit Union originated in Vermont in 2025 was 6.50%, against a statewide median of 6.71%.
About this data. Figures are Eastrise Federal 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