ONE Credit Union at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the C grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
33rd14.1% deniedPricingmedian rate spread over APOR, weight 30%
16th0.79 ptsProcesswithdrawn + incomplete share, weight 15%
44th12.9%Closing coststotal loan costs ÷ loan amount, weight 10%
96th0.41% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 130 | 100 | 8.5% | 9.9% | 6.50% | $6.0M |
| 2024 | 126 | 100 | 13.5% | 14.5% | 7.25% | $7.0M |
| 2025 | 155 | 116 | 12.3% | 14.1% | 7.13% | $9.6M |
What ONE Credit Union lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 3 home-equity lines, 0 reverse mortgages, 8 manufactured homes, 1 investment properties.
Why ONE Credit Union denies applications
Primary reason reported for each of the 19 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at ONE Credit Union
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 23 | 14 | 22.2% |
| $50k – $100k | 64 | 45 | 18.2% |
| $100k – $150k | 38 | 33 | 8.3% |
| $150k – $250k | 23 | 20 | 4.8% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 35–44 | 30 | 22 | 21.4% |
| 45–54 | 42 | 36 | 7.7% |
| 55–64 | 34 | 23 | 23.3% |
| 65–74 | 23 | 20 | 9.1% |
Where ONE Credit Union lends
2 states and 15 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Vermont | 107 | 79 | 13.1% | 7.13% | #39 |
| New Hampshire | 48 | 37 | 10.4% | 7.13% | #135 |
Frequently asked questions
ONE Credit Union denied 14.1% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 33rd percentile of small mortgage lenders.
The most common reason ONE Credit Union gave in 2025 was "debt-to-income ratio", cited on 36.8% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans ONE Credit Union originated in 2025 was 7.13%, and its median rate spread over the average prime offer rate was 0.79 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 4% of its applications were for home purchases, 18% for refinancing (including cash-out), and 78% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.