Applications / Mortgage Analytics / Lenders / Vermont / NorthCountry Federal Credit Union
S Burlington, VT · Credit union · NCUA · $1.1 billion assets · 771 loans in 2025
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771
loans originated, 2025
1,197
applications, 2025
13
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
NorthCountry Federal Credit Union is a Vermont credit union with a large manufactured-home business, sixth in non-metro Vermont, whose lending grew 12% in 2025 and whose Burlington share rose.
Manufactured homes were 13.1% of its loans, against 0.3% for credit unions making between half and twice as many loans, higher than nearly all of them. Its mix is broad: refinances 34.4%, home improvement 30.4%, home purchases 22.2% and other purposes 13.1%, all conventional.
14.8% of its loans were higher-priced (a rate well above the average for similar loans), against 1.7% for similar lenders. Manufactured-home loans are often priced this way, and together with its home-improvement lending they could account for most of the difference. Its typical rate of 7.02% is close to their 7.00%.
It ranks 13 of 146 lenders in Burlington-South Burlington, and its share rose 0.9 points, from 1.9% to 2.8%. EastRise Federal Credit Union, Passumpsic Bank and Vermont Federal Credit Union lead there. In non-metro Vermont it ranks 6 of 264, behind EastRise Federal Credit Union, EMM Loans, Rocket Mortgage, Mascoma Bank and Union Bank.
45.8% of its loans went to low- and moderate-income (LMI) borrowers, against 27.5% for similar lenders, higher than almost all of them, and up from 30.8% five years earlier. Its loans grew 12%, from 689 to 771, against 8% for similar lenders.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. NorthCountry Federal Credit Union took 1,197 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 34.4% · Home improvement 30.4% · Purchase 22.2% · Other 13.1%
Conventional 100.0% · of 771 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 | 740 | 96.0% |
| New Hampshire | 8 | 1.0% |
| New York | 8 | 1.0% |
| Florida | 4 | 0.5% |
| Maryland | 2 | 0.3% |
| North Carolina | 2 | 0.3% |
| Indiana | 1 | 0.1% |
| Kentucky | 1 | 0.1% |
| Massachusetts | 1 | 0.1% |
| New Jersey | 1 | 0.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Burlington-South Burlington | 211 |
| North Port-Bradenton-Sarasota | 2 |
| Baltimore-Columbia-Towson | 1 |
| Cape Coral-Fort Myers | 1 |
| Charlotte-Concord-Gastonia | 1 |
| Newark | 1 |
| Palm Bay-Melbourne-Titusville | 1 |
| Raleigh-Cary | 1 |
| Richmond | 1 |
| Rockingham County-Strafford County | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300T2FOBK6WY4B349 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 177797 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 524312 | 1992–2017 |
Established 1 January 1950. Reported under HMDA 1992-2025.
Mergers, name changes, data editions and corrections: NorthCountry Federal Credit Union's data.
NorthCountry Federal Credit Union's data
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NorthCountry 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.
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