Navy Federal Credit Union in Vermont vs the state
19.6%Denial rate+4.75 pts vs state
27.9%Decision denial rate+9.84 pts vs state
50.0%Origination rate-14.87 pts vs state
6.75%Median rate+0.04 pts vs state
0.09Rate spread (pts)-0.03 pts vs state
$129kMedian applicant income
92Loans originated
36Denied
Trend in Vermont
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 143 | 58 | 27.3% | 6.88% | #25 |
| 2024 | 181 | 85 | 14.9% | 6.63% | #24 |
| 2025 | 184 | 92 | 19.6% | 6.75% | #27 |
What Navy Federal Credit Union lends in Vermont
By loan purpose
By loan type
Why it denied Vermont applicants
Where in Vermont
Counties with the most Navy Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Chittenden County | 29 | 17 | 7 | 24.1% |
| Windsor County | 25 | 13 | 3 | 12.0% |
| Washington County | 20 | 12 | 3 | 15.0% |
| Franklin County | 18 | 6 | 6 | 33.3% |
| Rutland County | 17 | 6 | 4 | 23.5% |
| Windham County | 15 | 6 | 5 | 33.3% |
| Bennington County | 14 | 9 | 3 | 21.4% |
| Orleans County | 9 | 3 | 1 | 11.1% |
| Caledonia County | 9 | 7 | 0 | 0.0% |
| Orange County | 7 | 2 | 1 | 14.3% |
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: 184 applications in 2025, of which 92 were originated and 36 denied.
19.6% of all applications, or 27.9% of the applications it actually decided on. The Vermont statewide average across all lenders was 14.8%.
The median rate on loans Navy Federal Credit Union originated in Vermont in 2025 was 6.75%, against a statewide median of 6.71%.
About this data. Figures are Navy 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