VERMONT FEDERAL CREDIT UNION
VERMONT FEDERAL CREDIT UNION received 1,003 applications in 2025 and made 771 mortgages, in 13 counties across 1 state. The median rate its borrowers got was 6.750% on a median loan of $155,000. Of 941 decisions, 120 were denials — 12.8%, most often for debt-to-income ratio.
| Legal Entity Identifier | 254900AX2RRO2WMRP742 |
|---|---|
| Applications received | 1,003 |
| Mortgages made | 771 |
| Denied | 120 |
| Approved, not taken up | 50 |
| Withdrawn or incomplete | 62 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | -0.185 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 | 229 | 6.000% | $305,000 | 4.6% |
| Refinancing | 195 | 6.990% | $155,000 | 12.6% |
| Cash-out refinancing | 30 | 6.000% | $280,000 | 41.2% |
| Other purposes | 317 | 7.000% | $85,000 | 13.4% |
Where VERMONT FEDERAL CREDIT UNION lends most
The 13 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Chittenden County, VT | 305 | 6.750% | 9.8% |
| Franklin County, VT | 176 | 6.933% | 12.0% |
| Addison County, VT | 121 | 6.750% | 18.1% |
| Washington County, VT | 38 | 6.565% | 16.7% |
| Lamoille County, VT | 36 | 6.500% | 7.3% |
| Rutland County, VT | 30 | 6.500% | 13.5% |
| Windham County, VT | 12 | 6.500% | 18.8% |
| Grand Isle County, VT | 11 | 6.375% | 7.1% |
| Orleans County, VT | 10 | 6.688% | 0.0% |
| Orange County, VT | 9 | Under 10 loans | 35.7% |
| Windsor County, VT | 9 | Under 10 loans | 37.5% |
| Caledonia County, VT | 8 | Under 10 loans | 0.0% |
| Bennington County, VT | 6 | Under 10 loans | 0.0% |
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When VERMONT FEDERAL 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.