Service Federal Credit Union in Vermont vs the state
30.0%Denial rate+15.18 pts vs state
35.6%Decision denial rate+17.52 pts vs state
51.4%Origination rate-13.44 pts vs state
6.49%Median rate-0.21 pts vs state
-0.28Rate spread (pts)-0.40 pts vs state
$113kMedian applicant income
36Loans originated
21Denied
Trend in Vermont
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 81 | 37 | 34.6% | 5.99% | #43 |
| 2024 | 80 | 38 | 32.5% | 6.49% | #44 |
| 2025 | 70 | 36 | 30.0% | 6.49% | #52 |
What Service Federal Credit Union lends in Vermont
By loan purpose
By loan type
Why it denied Vermont applicants
Where in Vermont
Counties with the most Service Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Windsor County | 32 | 20 | 8 | 25.0% |
| Orange County | 14 | 7 | 4 | 28.6% |
| Windham County | 7 | 3 | 3 | 42.9% |
| Rutland County | 3 | 0 | 0 | 0.0% |
| Washington County | 3 | 0 | 2 | 66.7% |
| Franklin County | 2 | 0 | 1 | 50.0% |
| Chittenden County | 2 | 1 | 1 | 50.0% |
| Caledonia County | 2 | 2 | 0 | 0.0% |
| Essex County | 2 | 2 | 0 | 0.0% |
| Bennington County | 2 | 1 | 1 | 50.0% |
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: 70 applications in 2025, of which 36 were originated and 21 denied.
30.0% of all applications, or 35.6% of the applications it actually decided on. The Vermont statewide average across all lenders was 14.8%.
The median rate on loans Service Federal Credit Union originated in Vermont in 2025 was 6.49%, against a statewide median of 6.71%.
About this data. Figures are Service 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