Lender in Vermont · HMDA 2025
Vermont Federal Credit Union mortgages in Vermont
Vermont Federal Credit Union's 2025 home-purchase and refinance lending in Vermont, compared with all lenders in the state.
Vermont Federal Credit Union originated 264 owner-occupied single-family loans in Vermont from 304 completed applications, making it the state's #6 lender by volume.
Its median conventional purchase loan costs were $4,020 versus $4,860 for all Vermont lenders, at a median 30-year fixed rate of 6.25% (Vermont: 6.50%).
Loans in VT
264
of 304 applications
Denial rate
3.3%
Purchase · VT 6.9%
Rate spread
−0.25 pts
Conv. · VT +0.00 pts
Loan amount
$305,000
Purchase · VT $325,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 215 | 194 | 3.3% | 6.250% | −0.25 pts | $4,020 | $305,000 |
| Refinance | 48 | 46 | 2.1% | — | −0.26 pts | $2,180 | $205,000 |
| Cash-out refinance | 41 | 24 | 34.2% | — | −0.15 pts | $3,500 | $305,000 |
*Conventional loans only; medians with at least 20 loans.
Vermont counties where Vermont Federal Credit Union ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Franklin County | 2 | 61 | 9.0% |
| Addison County | 3 | 30 | 11.2% |
| Lamoille County | 4 | 13 | 5.3% |
| Grand Isle County | 4 | 5 | 5.8% |
| Chittenden County | 5 | 99 | 5.6% |
| Washington County | 9 | 17 | 2.5% |
| Rutland County | 9 | 12 | 2.6% |
| Orleans County | 9 | 6 | 2.1% |
| Caledonia County | 12 | 5 | 1.8% |
| Orange County | 13 | 5 | 1.9% |
| Windham County | 14 | 4 | 1.1% |
| Windsor County | 23 | 5 | 0.8% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology