ONE Credit Union in Vermont vs the state
13.1%Denial rate-1.74 pts vs state
15.1%Decision denial rate-3.02 pts vs state
73.8%Origination rate+8.96 pts vs state
7.13%Median rate+0.42 pts vs state
0.79Rate spread (pts)+0.67 pts vs state
$80kMedian applicant income
79Loans originated
14Denied
Trend in Vermont
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 106 | 82 | 7.6% | 6.50% | #33 |
| 2024 | 100 | 80 | 13.0% | 7.25% | #36 |
| 2025 | 107 | 79 | 13.1% | 7.13% | #39 |
What ONE Credit Union lends in Vermont
By loan purpose
By loan type
Why it denied Vermont applicants
Where in Vermont
Counties with the most ONE Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Windsor County | 34 | 25 | 7 | 20.6% |
| Orange County | 15 | 13 | 1 | 6.7% |
| Chittenden County | 15 | 13 | 1 | 6.7% |
| Addison County | 12 | 9 | 1 | 8.3% |
| Washington County | 11 | 8 | 3 | 27.3% |
| Windham County | 5 | 5 | 0 | 0.0% |
| Franklin County | 2 | 1 | 0 | 0.0% |
| Rutland County | 2 | 1 | 1 | 50.0% |
| Lamoille County | 2 | 2 | 0 | 0.0% |
| Bennington County | 2 | 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: 107 applications in 2025, of which 79 were originated and 14 denied.
13.1% of all applications, or 15.1% of the applications it actually decided on. The Vermont statewide average across all lenders was 14.8%.
The median rate on loans ONE Credit Union originated in Vermont in 2025 was 7.13%, against a statewide median of 6.71%.
About this data. Figures are ONE 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