Lighthouse Federal Credit Union in Vermont vs the state
34.6%Denial rate+19.80 pts vs state
37.5%Decision denial rate+19.43 pts vs state
46.2%Origination rate-18.72 pts vs state
7.25%Median rate+0.54 pts vs state
0.42Rate spread (pts)+0.29 pts vs state
$104kMedian applicant income
12Loans originated
9Denied
Trend in Vermont
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 18 | 6 | 55.6% | 6.15% | #83 |
| 2024 | 26 | 9 | 46.2% | 7.00% | #70 |
| 2025 | 26 | 12 | 34.6% | 7.25% | #70 |
What Lighthouse Federal Credit Union lends in Vermont
By loan purpose
By loan type
Why it denied Vermont applicants
Where in Vermont
Counties with the most Lighthouse Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Windsor County | 17 | 8 | 5 | 29.4% |
| Orange County | 4 | 1 | 2 | 50.0% |
| Essex County | 2 | 2 | 0 | 0.0% |
| Washington County | 2 | 0 | 2 | 100.0% |
| Caledonia 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: 26 applications in 2025, of which 12 were originated and 9 denied.
34.6% of all applications, or 37.5% of the applications it actually decided on. The Vermont statewide average across all lenders was 14.8%.
The median rate on loans Lighthouse Federal Credit Union originated in Vermont in 2025 was 7.25%, against a statewide median of 6.71%.
About this data. Figures are Lighthouse 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