Applications / Mortgage Analytics / Lenders / Vermont / EastRise Federal Credit Union
Williston, VT · Credit union · NCUA · $3.2 billion assets · 2,737 loans in 2025
EastRise Federal Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
2,737
loans originated, 2025
3,686
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
EastRise Federal Credit Union ranks first in both Burlington-South Burlington and non-metro Vermont, and its originations rose 20% in 2025, faster than about three in four similar credit unions.
In Burlington-South Burlington, where it has lent since 1991, its share rose to 22.1% from 20.3%, ahead of Passumpsic Bank. In non-metro Vermont it ranks 1 of 264, ahead of EMM Loans. Its 2023 merger with Vermont State Employees Federally Insured State-Chartered Credit Union counts in these figures.
Similar lenders are credit unions making between half and twice as many loans. Its originations rose to 2,737, against 9% for similar lenders and 10% for the whole market, and loan dollars rose to $551.6 million from $418.5 million. Originations remain below the 4,839 of 2020.
LMI (low- and moderate-income) borrowers took 33.9% of its loans against 27.5%, higher than about five in six similar credit unions, up from 22.8% five years before. Manufactured homes were 4.3% against 0.4%. Majority-minority areas were 0.4% against 10.7%, among the lowest, which could reflect markets in Vermont and New Hampshire with few such areas.
For first-lien home purchases its denial rate was 3.8% against 6.3%; for refinancing, 7.1% against 18.8%, lower than about nineteen in twenty similar credit unions.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. EastRise Federal Credit Union took 3,686 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 40.6% · Home improvement 26.0% · Refinance 24.2% · Other 9.2%
Conventional 99.8% · VA 0.2% · of 2,737 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Vermont | 2,632 | 96.2% |
| Michigan | 43 | 1.6% |
| New Hampshire | 43 | 1.6% |
| Massachusetts | 19 | 0.7% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Burlington-South Burlington | 1,588 |
| Detroit-Dearborn-Livonia | 21 |
| Warren-Troy-Farmington Hills | 20 |
| Cambridge-Newton-Framingham | 11 |
| Rockingham County-Strafford County | 7 |
| Manchester-Nashua | 4 |
| Worcester | 3 |
| Barnstable Town | 2 |
| Amherst Town-Northampton | 1 |
| Boston | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300TLGCPJTEG3WN76 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 169989 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 519263 | 1991–2017 |
Established 1 January 1961. Reported under HMDA 1991-2025.
Mergers, name changes, data editions and corrections: EastRise Federal Credit Union's data.
EastRise Federal Credit Union's data
$215
EastRise Federal Credit Union and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
Buy EastRise Federal Credit Union's data, $215Jenner Mortgage Analytics: all the data
$2,110
Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
Buy the data, $2,110Jenner, the SAS-compatible software
See prices
Jenner runs programs written in the SAS language. It drew every chart on these pages and fitted the fair-lending model, PROC GLIMMIX on 3.5 million applications. Run the programs that come with the data, or your own.
Get JennerQuestions, or the data and Jenner together: [email protected]