ONE Credit Union
ONE Credit Union received 155 applications in 2025 and made 116 mortgages, in 15 counties across 2 states. The median rate its borrowers got was 7.125% on a median loan of $65,000. Of 135 decisions, 19 were denials — 14.1%, most often for debt-to-income ratio. 7 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 549300KO4HWF5JO6UV73 |
|---|---|
| Applications received | 155 |
| Mortgages made | 116 |
| Denied | 19 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 20 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.791 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Refinancing | 23 | 7.125% | $75,000 | 8.0% |
| Cash-out refinancing | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Other purposes | 91 | 7.125% | $65,000 | 15.0% |
Where ONE Credit Union lends most
The 15 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Sullivan County, NH | 37 | 7.125% | 11.9% |
| Windsor County, VT | 25 | 6.625% | 21.9% |
| Chittenden County, VT | 13 | 7.375% | 7.1% |
| Orange County, VT | 13 | 7.125% | 7.1% |
| Addison County, VT | 9 | Under 10 loans | 10.0% |
| Washington County, VT | 8 | Under 10 loans | 27.3% |
| Windham County, VT | 5 | Under 10 loans | 0.0% |
| Lamoille County, VT | 2 | Under 10 loans | 0.0% |
| Bennington County, VT | 1 | Under 10 loans | 0.0% |
| Essex County, VT | 1 | Under 10 loans | 0.0% |
| Franklin County, VT | 1 | Under 10 loans | 0.0% |
| Rutland County, VT | 1 | Under 10 loans | 50.0% |
| Grafton County, NH | 0 | Under 10 loans | Not published |
| Merrimack County, NH | 0 | Under 10 loans | Not published |
| Caledonia County, VT | 0 | Under 10 loans | Not published |
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When ONE Credit Union’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.