Applications / Mortgage Analytics / Lenders / Vermont / Vermont Federal Credit Union
South Burlington, VT · Credit union · NCUA · $1.0 billion assets · 771 loans in 2025
Vermont Federal Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
771
loans originated, 2025
1,003
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Vermont Federal Credit Union ranks third in Burlington-South Burlington, and its originations rose 28% to 771 in 2025, faster than about four in five similar lenders.
It ranked 3 of 146 lenders in Burlington-South Burlington, where it has lent since 1993, behind EastRise Federal Credit Union and Passumpsic Bank. Its share fell 0.3 points to 6.3%; one possibility is that competitors there grew faster, another that more of its growth came outside the metro, where it ranked 9 of 264 in non-metro Vermont.
Originations rose 28%, against 8% at similar lenders (credit unions making between half and twice as many loans) and 10% for the whole market. It made 1,279 loans in 2020 and 601 in 2024.
Its typical loan, $155,000, was larger than at about three-quarters of peers, against $105,000. Purchase, refinance and home improvement each took between 25.8% and 29.7% of its lending. All its loans were conventional, and manufactured homes were 3.5%, against 0.3%. Its typical rate, 6.75%, was close to peers' 7.00%.
LMI (low- and moderate-income) borrowers took 32.5% of its loans, against 27.5% at peers, higher than about seven in ten. LMI areas took 12.6%, against 15.0%, and majority-minority areas 0.0%, against 10.5%. Its lending is confined to Vermont, one metro and 13 counties, so these shares depend on how many such areas those counties hold.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Vermont Federal Credit Union took 1,003 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 29.7% · Refinance 29.2% · Home improvement 25.8% · Other 15.3%
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 | 771 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Burlington-South Burlington | 492 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900AX2RRO2WMRP742 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 724397 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 524405 | 1992–2017 |
Established 1 January 1953. Reported under HMDA 1993-2025.
Mergers, name changes, data editions and corrections: Vermont Federal Credit Union's data.
Vermont Federal Credit Union's data
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Vermont 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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