Vermont Federal Credit Union mortgage approval rate & lending review
Vermont Federal Credit Union decided 890 mortgage applications and funded 718 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Vermont Federal Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Vermont Federal Credit Union at a glance
Approval is 10.1 points above the 74.6% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 96% | 261 / 272 | 93% | $305K | 242 |
| Home improvement loans | 82% | 270 / 329 | 98% | $85K | 265 |
| Cash-out refinance | 61% | 20 / 33 | 75% | $355K | 15 |
| Refinance | 80% | 162 / 202 | 96% | $145K | 156 |
| Investment property purchase | 76% | 19 / 25 | 100% | $335K | 19 |
Vermont Federal Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Vermont | 85% | $145K | 889 | 718 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Questions about Vermont Federal Credit Union
What is Vermont Federal Credit Union's mortgage approval rate?
Vermont Federal Credit Union approved 84.7% of the 890 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 10.1 points above the 74.6% national rate for the same mix of loan types.
How often do borrowers take the loan Vermont Federal Credit Union offers?
Borrowers accepted 95% of the loans Vermont Federal Credit Union approved, against 93% for all home improvement loan lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Vermont Federal Credit Union make?
The typical home improvement loan loan Vermont Federal Credit Union made was $85K; across all loan types its typical loan ran from $85K to $355K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Vermont Federal Credit Union lend?
Vermont Federal Credit Union decided applications in 2 of the states Fat Boy Data covers, most of them in Vermont and Washington.
Can I apply to Vermont Federal Credit Union directly?
Yes. Vermont Federal Credit Union is a bank or credit union with 9 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Vermont Federal Credit Union's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Vermont Federal Credit Union treats applications, then get a rate quote from the lender.