Vermont Federal Credit Union in Vermont vs the state
12.0%Denial rate-2.86 pts vs state
12.8%Decision denial rate-5.32 pts vs state
76.9%Origination rate+12.00 pts vs state
6.75%Median rate+0.04 pts vs state
-0.19Rate spread (pts)-0.31 pts vs state
$119kMedian applicant income
771Loans originated
120Denied
Trend in Vermont
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,234 | 734 | 24.7% | 7.75% | #2 |
| 2024 | 853 | 601 | 17.1% | 7.50% | #4 |
| 2025 | 1,003 | 771 | 12.0% | 6.75% | #4 |
What Vermont Federal Credit Union lends in Vermont
By loan purpose
By loan type
Why it denied Vermont applicants
Where in Vermont
Counties with the most Vermont Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Chittenden County | 389 | 305 | 35 | 9.0% |
| Franklin County | 225 | 176 | 26 | 11.6% |
| Addison County | 168 | 121 | 28 | 16.7% |
| Washington County | 51 | 38 | 8 | 15.7% |
| Lamoille County | 42 | 36 | 3 | 7.1% |
| Rutland County | 38 | 30 | 5 | 13.2% |
| Windham County | 17 | 12 | 3 | 17.6% |
| Windsor County | 16 | 9 | 6 | 37.5% |
| Grand Isle County | 15 | 11 | 1 | 6.7% |
| Orange County | 15 | 9 | 5 | 33.3% |
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% |
| 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% |
| Northeast Home Loan | A | 524 | 2.1% | 6.50% |
Frequently asked questions
Vermont: 1,003 applications in 2025, of which 771 were originated and 120 denied.
12.0% of all applications, or 12.8% of the applications it actually decided on. The Vermont statewide average across all lenders was 14.8%.
The median rate on loans Vermont Federal Credit Union originated in Vermont in 2025 was 6.75%, against a statewide median of 6.71%.
About this data. Figures are Vermont 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