Lender in Vermont · HMDA 2025
Eastrise Federal Credit Union mortgages in Vermont
Eastrise Federal Credit Union's 2025 home-purchase and refinance lending in Vermont, compared with all lenders in the state.
Eastrise Federal Credit Union originated 958 owner-occupied single-family loans in Vermont from 1,003 completed applications, making it the state's #1 lender by volume.
Its median conventional purchase loan costs were $4,160 versus $4,860 for all Vermont lenders, at a median 30-year fixed rate of 6.25% (Vermont: 6.50%).
Loans in VT
958
of 1,003 applications
Denial rate
3.2%
Purchase · VT 6.9%
Rate spread
−0.23 pts
Conv. · VT +0.00 pts
Loan amount
$325,000
Purchase · VT $325,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 747 | 719 | 3.2% | 6.250% | −0.23 pts | $4,160 | $325,000 |
| Refinance | 136 | 129 | 5.1% | 6.250% | −0.25 pts | $2,620 | $215,000 |
| Cash-out refinance | 120 | 110 | 8.3% | 6.250% | −0.33 pts | $3,660 | $275,000 |
*Conventional loans only; medians with at least 20 loans.
Vermont counties where Eastrise Federal Credit Union ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Chittenden County | 1 | 463 | 26.2% |
| Washington County | 1 | 129 | 19.2% |
| Franklin County | 1 | 120 | 17.8% |
| Grand Isle County | 1 | 20 | 23.0% |
| Addison County | 2 | 40 | 14.9% |
| Caledonia County | 2 | 34 | 12.3% |
| Lamoille County | 2 | 30 | 12.2% |
| Orange County | 3 | 25 | 9.5% |
| Essex County | 3 | 6 | 9.8% |
| Rutland County | 4 | 34 | 7.3% |
| Orleans County | 5 | 19 | 6.5% |
| Windham County | 5 | 17 | 4.8% |
| Windsor County | 7 | 14 | 2.3% |
| Bennington County | 10 | 7 | 3.1% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology