# VERMONT FEDERAL CREDIT UNION

> **Canonical URL:** https://saferate.com/lenders/vermont-federal-credit-union

> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible

VERMONT FEDERAL CREDIT UNION is a credit union, headquartered in Burlington, VT, with 211 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 19% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 24% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 254900AX2RRO2WMRP742
- **Headquarters:** Burlington, VT
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** VT
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Exceptional 🤩
- Score: 81/100
- Rating: ●●●●● (5/5)

### Pull Through: Strong 😀
- Score: 76/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** -0.209%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,225
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 211
- **Dollar Volume:** $62 million
- **Applications Received:** 282
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $291,825
- **Average Borrower Income:** $138,270

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (78%)
- ⭐ **Purchase Gold Superstar** (70%)
- ⭐ **Refinance Gold Superstar** (71%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 63/100 | 208 | -0.205% | $1,211 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 170 loans, Score: 62/100 (Strong)
- Refinance: 38 loans, Score: 58/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 61/100 | 172 | $53M | -0.174% | Strong 😀 |
| Refinance | 58/100 | 39 | $9M | -0.364% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| VT | 211 | 3.61% | 86/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Burlington | VT | 136 | 84/100 |
| Non |  | 75 | 54/100 |

## Frequently Asked Questions

### What loan types does VERMONT FEDERAL CREDIT UNION offer?

VERMONT FEDERAL CREDIT UNION offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does VERMONT FEDERAL CREDIT UNION offer mortgages?

VERMONT FEDERAL CREDIT UNION offers mortgages in 1 states: VT.

### How competitive are VERMONT FEDERAL CREDIT UNION's mortgage rates?

VERMONT FEDERAL CREDIT UNION has a pricing score of 81/100 (Exceptional), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.209% below market average.

### What type of lender is VERMONT FEDERAL CREDIT UNION?

VERMONT FEDERAL CREDIT UNION is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Burlington, VT.

### What is VERMONT FEDERAL CREDIT UNION's loan approval success rate?

VERMONT FEDERAL CREDIT UNION has a pull-through score of 76/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-05-29
**Canonical URL:** https://saferate.com/lenders/vermont-federal-credit-union

### How to Cite

> "VERMONT FEDERAL CREDIT UNION Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/vermont-federal-credit-union

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