A step up that held
It made 375 loans in 2025, up 5%, against 7% at similar lenders (credit unions making between half and twice as many loans). The big step came a year earlier, from 101 loans in 2023 to 356 in 2024. In 2020 it made 82.
Applications / Mortgage Analytics / Lenders / Vermont / 802 Credit Union
802 Credit Union
Barre, VT · Credit union · NCUA · $492 million assets · 375 loans in 2025
802 Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
375
loans originated, 2025
396
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
802 Credit Union, a Vermont credit union, more than tripled its lending in 2024 and held the gain in 2025, ranking 11 of 264 lenders in non-metro Vermont.
Manufactured homes
Manufactured homes took 8.5% of its loans, against 0.3% at peers, more than at about nineteen in twenty of them. Other purposes made up 43.7% of its loans and purchases 33.1%. Its typical loan, $125,000, was larger than the $105,000 at peers.
More lower-income lending
Low- and moderate-income (LMI) borrowers took 40.1% of its loans, against 27.5% at peers, and LMI neighborhoods 23.3%, against 15.5%; both were higher than at nearly nine in ten. It made no loans in majority-minority neighborhoods, against 12.1% at peers, which may reflect where it lends: mostly non-metro Vermont and New Hampshire.
Eleventh at home
In non-metro Vermont, its largest market since 2010, it ranked 11 of 264 lenders; EastRise Federal Credit Union led. In Burlington-South Burlington, VT it ranked 58 of 146 with 0.2% of the market, unchanged.
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
375 loans in 2025, its most in any year since 2018.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. 802 Credit Union took 396 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
43.7% of its 2025 loans were other loans; all were conventional loans.
Other 43.7% · Purchase 33.1% · Refinance 23.2%
Conventional 100.0% · of 375 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
3 states, 2 metros, 18 counties
| State | Loans | Share |
|---|---|---|
| Vermont | 314 | 83.7% |
| New Hampshire | 58 | 15.5% |
| Massachusetts | 3 | 0.8% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Burlington-South Burlington | 23 |
| Barnstable Town | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300F0QYLUOR9SYB86 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 73796 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 562983 | 2010–2017 |
Established 1 January 1953. Reported under HMDA 2010-2025.
Mergers, name changes, data editions and corrections: 802 Credit Union's data.
The data and the software behind these pages
802 Credit Union's data
$215
802 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 802 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]