Applications / Mortgage Analytics / Lenders / Vermont / ONE Credit Union
Springfield, VT · Credit union · NCUA · $261 million assets · 116 loans in 2025
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116
loans originated, 2025
155
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
ONE Credit Union, in Vermont, makes small loans for everything but buying a home, and lends to modest earners more than most similar credit unions do.
Other purposes made up 47.4% of its loans, home improvement 31.0% and refinances 21.6%; it made no purchase loans. Its typical loan was $65,000, against $105,000 at similar lenders (credit unions making between half and twice as many loans), smaller than at more than four in five. That mix may explain the size.
Low- and moderate-income (LMI) borrowers took 43.0% of its loans, against 29.3% at peers, more than at four in five of them. LMI neighborhoods took 23.3%, up from 5.6% five years earlier. It made no loans in majority-minority neighborhoods, against 9.4% at peers; its non-metro lending in Vermont and New Hampshire may reach few of them.
It made 116 loans, 16% more than in 2024, against 8% at peers and 10% across the whole market. It made 56 in 2018 and at least 100 a year since 2020.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. ONE Credit Union took 155 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Other 47.4% · Home improvement 31.0% · Refinance 21.6%
Conventional 100.0% · of 116 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 | 79 | 68.1% |
| New Hampshire | 37 | 31.9% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Burlington-South Burlington | 14 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300KO4HWF5JO6UV73 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 669395 | 2012–2023 |
| Respondent ID (the HMDA filer code before 2018) | 563923 | 2012–2017 |
Established 1 January 1952. Reported under HMDA 2012-2025.
Mergers, name changes, data editions and corrections: ONE Credit Union's data.
ONE Credit Union's data
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ONE 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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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.
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