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Mortgage Lenders and Brokers in Vermont

Content reviewed by

Brian McKay | iEditorial Disclosure | ✓Fact Checked | Loan Rates Last Updated and Verified: October 7, 2026

Vermont mortgage lenders include EastRise Federal Credit UnionEastRise Federal Credit Union194 North St, Bennington, VT 05201 3055A+5.0 ★Texas Ratio: 3.84%, Union BankUnion Bank1028 Us Route 302, Berlin, VT 05641A-4.8 ★Texas Ratio: 14.30%, Vermont Federal Credit UnionVermont Federal Credit Union315 N Main St, Barre, VT 05641A+5.0 ★Texas Ratio: 3.32%, 802 Credit Union802 Credit Union265 S Main St, Barre, VT 05641 4815A5.0 ★Texas Ratio: 8.74%, Northfield Savings BankNorthfield Savings Bank137 S Main St, Barre, VT 05641A+5.0 ★Texas Ratio: 3.85%, Community National BankCommunity National Bank316 N Main St, Barre, VT 05641A+5.0 ★Texas Ratio: 2.92%, Peoples Trust Company of St. AlbansPeoples Trust Company of St. Albans140 Main St, Enosburg Falls, VT 05450A+5.0 ★Texas Ratio: 2.08%, NorthCountry Federal Credit UnionNorthCountry Federal Credit Union37 S Main St, Alburgh, VT 05440A5.0 ★Texas Ratio: 8.36%, National Bank of MiddleburyNational Bank of Middlebury6 Park St, Brandon, VT 05733A+5.0 ★Texas Ratio: 1.16%, and One Credit UnionOne Credit Union560 S BARRE RD, BARRE, VT 05641A5.0 ★Texas Ratio: 13.41%. Banks, credit unions and mortgage companies are listed together, with FHA, VA and local options flagged for quick comparison.

Lenders are ranked only by the number of home loans they closed in Vermont in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Vermont are listed first, then lenders from other states that closed loans there. Banks and credit unions carry a MonitorBankRates health grade, star rating and Texas Ratio, so you can judge how financially sound they are. Mortgage companies have no deposits to rate, so compare their loan programs, median loan and borrower reviews instead. Compare at least three lenders and ask each for a written loan estimate before you choose.

Mortgage Lenders and Brokers in Vermont

Market share is the lender's share of all home loans closed in Vermont. Approval share is approvals divided by completed applications. Grade is the MonitorBankRates Health and Safety Grade, available for banks and credit unions only. Median loan is the midpoint loan amount the lender closed in the state.

Lender	Programs	Loans closed	Market share	Approval share	Median loan	View
EastRise Federal Credit Union 194 North St, Bennington, VT 05201 3055 A+5.0 ★Texas Ratio: 3.84%	Conventional, VA, Jumbo, HELOC	1,692 +786 HELOCs	17.9%	94.4%	$195,000	View
Union Bank 14 offices in VT 1028 Us Route 302, Berlin, VT 05641 A-4.8 ★Texas Ratio: 14.30%	Conventional, FHA, VA, Jumbo	503	5.3%	94.6%	$255,000	View
Vermont Federal Credit Union 315 N Main St, Barre, VT 05641 A+5.0 ★Texas Ratio: 3.32%	Conventional, Jumbo, HELOC	359 +399 HELOCs	3.8%	89.3%	$245,000	View
802 Credit Union 265 S Main St, Barre, VT 05641 4815 A5.0 ★Texas Ratio: 8.74%	Conventional, Jumbo	309	3.3%	96.3%	$115,000	View
Northfield Savings Bank 12 offices in VT 137 S Main St, Barre, VT 05641 A+5.0 ★Texas Ratio: 3.85%	Conventional, VA, Jumbo	183	1.9%	87.4%	$265,000	View
Community National Bank 316 N Main St, Barre, VT 05641 A+5.0 ★Texas Ratio: 2.92%	Conventional, VA	166	1.8%	92.9%	$205,000	View
Peoples Trust Company of St. Albans 5 offices in VT 140 Main St, Enosburg Falls, VT 05450 A+5.0 ★Texas Ratio: 2.08%	Conventional, USDA, Jumbo	154	1.6%	89.7%	$235,000	View
NorthCountry Federal Credit Union 37 S Main St, Alburgh, VT 05440 A5.0 ★Texas Ratio: 8.36%	Conventional, Jumbo, HELOC	147 +540 HELOCs	1.6%	74.7%	$205,000	View
National Bank of Middlebury 6 offices in VT 6 Park St, Brandon, VT 05733 A+5.0 ★Texas Ratio: 1.16%	Conventional, Jumbo	115	1.2%	93.5%	$245,000	View
One Credit Union 560 S BARRE RD, BARRE, VT 05641 A5.0 ★Texas Ratio: 13.41%	Conventional	79	0.8%	85.9%	$65,000	View
Green Mountain Credit Union 1311 US Route 302, Barre, VT 05641 7300 C+4.2 ★Texas Ratio: 24.49%	Conventional	56	0.6%	100%	$135,000	View
Mascoma Bank 14 offices in VT 37 Main St, Bethel, VT 05032 A+5.0 ★Texas Ratio: 1.41%	Conventional, Jumbo, HELOC	303 +170 HELOCs	3.2%	81%	$255,000	View
Community Bank, N.A. 29 offices in VT 361 N Main St, Barre, VT 05641 A+5.0 ★Texas Ratio: 3.83%	Conventional, Jumbo, HELOC	204 +167 HELOCs	2.2%	87%	$205,000	View
M&T Bank 33 offices in VT 292 N Main St, Barre, VT 05641 A+5.0 ★Texas Ratio: 4.11%	Conventional, FHA, VA, Jumbo, HELOC	102 +240 HELOCs	1.1%	84.4%	$305,000	View
JPMorgan Chase Bank, NA 3 offices in VT 1 Church St, Burlington, VT 05401 A+5.0 ★Texas Ratio: 3.68%	Conventional, FHA, VA, Jumbo, HELOC	66 +5 HELOCs	0.7%	89.3%	$415,000	View
TD Bank 17 offices in VT 36 N Main St, Barre, VT 05641 A+5.0 ★Texas Ratio: 3.71%	Conventional, FHA, Jumbo, HELOC	60 +133 HELOCs	0.6%	69.8%	$205,000	View
Citizens Bank, NA 10 offices in VT 310 Main St, Bennington, VT 05201 A+5.0 ★Texas Ratio: 5.44%	Conventional, FHA, Jumbo, HELOC	38 +354 HELOCs	0.4%	90.5%	$445,000	View
Keybank National Association 10 offices in VT 315 N Main St, Barre, VT 05641 A+5.0 ★Texas Ratio: 4.81%	Conventional, Jumbo, HELOC	30 +14 HELOCs	0.3%	65.3%	$255,000	View
Nbt Bank NA 4 offices in VT 150 Bank St, Burlington, VT 05401 A+5.0 ★Texas Ratio: 3.43%	Conventional, Jumbo, HELOC	16 +33 HELOCs	0.2%	85%	$405,000	View
Beacon Bank & Trust 5 offices in VT 3816 Vermont Route 7a, Arlington, VT 05250 A+5.0 ★Texas Ratio: 5.36%	Conventional, HELOC	3 +11 HELOCs	0%	100%	$75,000	View
Trustco Bank ★ 1.8 stars, 5 reviews 1 office in VT 215 North St, Bennington, VT 05201 A+5.0 ★Texas Ratio: 4.14%	Conventional, HELOC	2 +7 HELOCs	0%	66.7%	$155,000	View
Rocket Mortgage	Conventional, FHA, VA, Jumbo, HELOC	784 +2 HELOCs	8.3%	76.1%	$205,000
EMM Loans LLC	Conventional, FHA, VA, USDA, Jumbo	644	6.8%	98.4%	$345,000
Passumpsic Bank A5.0 ★Texas Ratio: 7.85%	Conventional, VA, USDA, Jumbo	436	4.6%	98%	$355,000	View
Cmg Mortgage Inc	Conventional, FHA, VA, USDA, Jumbo, HELOC	282 +23 HELOCs	3%	93.1%	$345,000
Mortgage Research Center	Conventional, FHA, VA	167	1.8%	75%	$295,000
United Wholesale Mortgage	Conventional, FHA, VA, Jumbo	152	1.6%	89%	$365,000
Guild Mortgage Company	Conventional, FHA, VA, USDA, Jumbo	147	1.6%	97.5%	$255,000
Fairway Independent Mort Corp	Conventional, FHA, VA	107	1.1%	87%	$295,000
Freedom Mortgage Corporation	Conventional, FHA, VA, Jumbo	99	1%	84.4%	$285,000
Better Mortgage Corporation	Conventional, FHA, VA, Jumbo, HELOC	98 +7 HELOCs	1%	76.2%	$355,000
Newrez LLC	Conventional, FHA, VA	83	0.9%	60.1%	$195,000
New American Funding, LLC.	Conventional, FHA, VA, USDA, HELOC	75 +5 HELOCs	0.8%	78.1%	$235,000
Pennymac Loan Services LLC	Conventional, FHA, VA, Jumbo	75	0.8%	81.4%	$305,000
Navy Federal Credit Union	Conventional, VA, HELOC	73 +17 HELOCs	0.8%	85.1%	$315,000
Primelending	Conventional, FHA, VA	72	0.8%	93.8%	$235,000
loanDepot.com LLC	Conventional, FHA, VA, Jumbo	66	0.7%	67.3%	$225,000
Nationstar Mortgage	Conventional, FHA, VA	62	0.7%	75%	$255,000
Advisors Mortgage Group, LLC	Conventional, FHA, VA	60	0.6%	96.8%	$315,000
Amerisave Mortgage Company	Conventional, FHA, VA, HELOC	57 +2 HELOCs	0.6%	28.5%	$115,000
Movement Mortgage, LLC	Conventional, FHA, VA, USDA, Jumbo, HELOC	53 +4 HELOCs	0.6%	90.1%	$315,000
Bank of America NA A+5.0 ★Texas Ratio: 4.14%	Conventional, Jumbo, HELOC	51 +32 HELOCs	0.5%	91.1%	$475,000	View
Morgan Stanley Private Bank NA A4.8 ★Texas Ratio: 2.45%	Conventional, Jumbo, HELOC	47 +1 HELOCs	0.5%	98%	$675,000	View
Mutual of Omaha Mortgage	Conventional, FHA, VA, HELOC	46 +2 HELOCs	0.5%	77%	$265,000
CrossCountry Mortgage, LLC	Conventional, FHA, VA, Jumbo, HELOC	44 +2 HELOCs	0.5%	90.2%	$355,000
US Bank, N.A. A+5.0 ★Texas Ratio: 2.85%	Conventional, Jumbo, HELOC	40 +8 HELOCs	0.4%	48.8%	$215,000	View
Usaa Federal Savings Bank B-3.5 ★Texas Ratio: 6.80%	Conventional, VA, Jumbo	40	0.4%	59.7%	$325,000	View
Ark-La-Tex Financial Services LLC	Conventional, FHA, VA, USDA	39	0.4%	97.5%	$355,000
Guaranteed Rate, Inc.	Conventional, FHA, Jumbo, HELOC	35 +7 HELOCs	0.4%	94.6%	$455,000
Msa Mortgage, LLC	Conventional, VA, Jumbo	33	0.3%	94.3%	$335,000
21St Mortgage	Conventional	32	0.3%	39%	$125,000
Wells Fargo Bank NA A+5.0 ★Texas Ratio: 5.36%	Conventional, Jumbo	27	0.3%	79.4%	$325,000	View
Service Federal Credit Union	Conventional, VA, Jumbo, HELOC	26 +10 HELOCs	0.3%	60.9%	$155,000
Citibank, NA A+5.0 ★Texas Ratio: 2.82%	Conventional, Jumbo, HELOC	26 +2 HELOCs	0.3%	92.9%	$655,000	View
Farm Credit East ACA	Conventional, Jumbo	26	0.3%	100%	$395,000
Sofi Bank, National Association A+5.0 ★Texas Ratio: 0.51%	Conventional, VA	26	0.3%	79.4%	$155,000	View
Plains Commerce Bank A5.0 ★Texas Ratio: 9.09%	Conventional, VA, Jumbo	26	0.3%	96.3%	$375,000	View
Lakeview Loan Servicing, LLC	Conventional, FHA, VA	24	0.3%	48.4%	$285,000
Carrington Mortgage Services LLC	Conventional, FHA, VA	24	0.3%	48.2%	$115,000
Bar Harbor Bank & Trust	Conventional, HELOC	23 +34 HELOCs	0.2%	69.7%	$195,000
Spring Eq, LLC	Conventional, HELOC	21 +3 HELOCs	0.2%	32.4%	$65,000
Greylock Federal Credit Union	Conventional, HELOC	17 +8 HELOCs	0.2%	82.6%	$135,000
HomeBridge Financial Services, Inc	Conventional, FHA, VA, HELOC	17 +4 HELOCs	0.2%	73.9%	$355,000
Synergy One Lending, Inc.	Conventional, FHA, VA, Jumbo	16	0.2%	94.1%	$325,000
Luminate Home Loans, Inc. A5.0 ★Texas Ratio: 11.06%	Conventional, FHA, VA	16	0.2%	80%	$255,000	View
Colorado Federal Savings Bank A+5.0 ★Texas Ratio: 3.16%	Conventional	15	0.2%	93.8%	$495,000	View
Sage Home Loans Corporation	Conventional	15	0.2%	75%	$455,000
PNC Bank N.A. ★ 1.7 stars, 3 reviews A+5.0 ★Texas Ratio: 4.24%	Conventional, FHA, Jumbo, HELOC	14 +9 HELOCs	0.1%	93.3%	$305,000	View
Norwich Commercial Group Inc	Conventional, FHA, VA	14	0.1%	100%	$285,000
The Camden National Bank A+5.0 ★Texas Ratio: 1.50%	Conventional, FHA, Jumbo, HELOC	13 +3 HELOCs	0.1%	81.2%	$315,000	View
Ubs Bank USA ★ 5 stars, 1 review A+5.0 ★Texas Ratio: 1.21%	Conventional, Jumbo	13	0.1%	92.9%	$505,000	View
Leader Bank NA A+5.0 ★Texas Ratio: 0.22%	Conventional, FHA, Jumbo, HELOC	12 +2 HELOCs	0.1%	92.3%	$395,000	View
Primary Residential Mortgage, INC.	Conventional, FHA	11	0.1%	100%	$305,000
Amerant Mortgage LLC	Conventional, FHA	11	0.1%	92.3%	$455,000
Homestead Funding Corp.	Conventional, VA	11	0.1%	100%	$295,000
Member First Mortgage, LLC	FHA	11	0.1%	85.7%	$235,000
Nbkc Bank	Conventional, VA	10	0.1%	62.5%	$265,000
Discover Bank	Conventional	9	0.1%	16.4%	$55,000
Click n' Close, Inc.	Conventional, FHA, VA	9	0.1%	75%	$185,000
Harborone Mortgage, LLC	Conventional, Jumbo	9	0.1%	81.8%	$385,000
The Federal Savings Bank B+4.8 ★Texas Ratio: 16.98%	Conventional, FHA, VA	9	0.1%	90%	$255,000	View
American Neighborhood Mortgage Acceptance Company	Conventional, FHA, USDA, Jumbo	9	0.1%	100%	$255,000
Alliant Credit Union	Conventional, FHA, Jumbo	8	0.1%	88.9%	$425,000
Barrington Bank & Trust Company, N.A. A+5.0 ★Texas Ratio: 2.20%	Conventional, VA	8	0.1%	100%	$265,000	View
Adams Community Bank A+5.0 ★Texas Ratio: 3.06%	Conventional, VA	8	0.1%	88.9%	$245,000	View
Lighthouse Federal Credit Union	Conventional, HELOC	7 +5 HELOCs	0.1%	60%	$65,000
Total Mortgage Services, LLC	Conventional, HELOC	7 +1 HELOCs	0.1%	87.5%	$285,000
Farmers Bank & Trust A+5.0 ★Texas Ratio: 0.65%	Conventional	7	0.1%	80%	$435,000	View
American Financing Corporation	Conventional, FHA	7	0.1%	54.5%	$115,000
Stifel Bank & Trust A-4.8 ★Texas Ratio: 12.33%	Conventional	7	0.1%	100%	$415,000	View
Truist Bank ★ 1 stars, 1 review A+5.0 ★Texas Ratio: 2.87%	Conventional, Jumbo	7	0.1%	100%	$685,000	View
Village Capital & Investment	FHA, VA	7	0.1%	62.5%	$305,000
Cornerstone First Mortgage, LLC	Conventional, Jumbo	6	0.1%	100%	$305,000
AmeriHome Mortgage Company, LLC	FHA	6	0.1%	100%	$265,000
Cardinal Financial Company, Li	Conventional	6	0.1%	77.8%	$95,000
Raymond James Bank A+5.0 ★Texas Ratio: 3.19%	Conventional, Jumbo	6	0.1%	100%	$655,000	View
Zillow Home Loans, LLC	Conventional	6	0.1%	66.7%	$325,000
Bangor Savings Bank A+5.0 ★Texas Ratio: 4.53%	Conventional, HELOC	5 +3 HELOCs	0.1%	100%	$505,000	View
Guaranteed Rate Affinity, LLC	Conventional, Jumbo	5	0.1%	100%	$455,000
Bny Mellon, N.A. A+5.0 ★Texas Ratio: 0.37%	Conventional, Jumbo	5	0.1%	100%	$645,000	View
Charles Schwab Bank, Ssb A+5.0 ★Texas Ratio: 0.14%	Conventional, Jumbo	5	0.1%	71.4%	$935,000	View
Everett Financial, Inc.	Conventional, FHA	5	0.1%	100%	$205,000
PHH Mortgage Corporation	Conventional	5	0.1%	100%	$445,000
First Federal Bank A+5.0 ★Texas Ratio: 1.10%	Conventional, VA	5	0.1%	71.4%	$415,000	View
T2 Financial LLC	Conventional, VA	5	0.1%	83.3%	$375,000
Bankesb	Conventional	5	0.1%	100%	$385,000
RoundPoint Mortgage Servicing LLC	Conventional	5	0.1%	100%	$165,000
City National Bank A+5.0 ★Texas Ratio: 5.55%	Conventional, Jumbo	5	0.1%	100%	$1,825,000	View
Reliance First Capital, LLC	Conventional, FHA	5	0.1%	83.3%	$245,000
Champions Funding, LLC	Conventional, Jumbo	5	0.1%	100%	$545,000
Fourleaf Federal Credit Union	Conventional, HELOC	4 +5 HELOCs	0%	100%	$145,000
Digital Federal Credit Union	Conventional, HELOC	4 +5 HELOCs	0%	57.1%	$145,000
Northpointe Bank A5.0 ★Texas Ratio: 8.47%	Conventional, HELOC	4 +2 HELOCs	0%	100%	$185,000	View
Luminate Bank A5.0 ★Texas Ratio: 11.06%	Conventional	4	0%	100%	$365,000	View
Geneva Financial LLC	Conventional	4	0%	100%	$235,000
Waterstone Mortgage Corporation	Conventional	4	0%	100%	$215,000
American Pacific Mortgage Corporation	Conventional, FHA	4	0%	100%	$235,000
Paramount Residential Mortgage	Conventional, FHA, VA	4	0%	100%	$325,000
Pentagon Federal Credit Union	Conventional, VA, HELOC	3 +1 HELOCs	0%	60%	$445,000
BMO Harris Bank NA A+5.0 ★Texas Ratio: 3.54%	Conventional, Jumbo, HELOC	3 +1 HELOCs	0%	100%	$525,000	View
Westfield Bank A+5.0 ★Texas Ratio: 2.93%	Conventional	3	0%	100%	$165,000	View
Presidential Bank, FSB A-4.9 ★Texas Ratio: 16.48%	Conventional, VA	3	0%	100%	$325,000	View
North American Savings Bank A+5.0 ★Texas Ratio: 4.31%	Conventional, VA	3	0%	100%	$355,000	View
American Financial Network, Inc.	Conventional, Jumbo	3	0%	75%	$495,000
Nqm Funding, LLC	Conventional	3	0%	100%	$275,000
Das Acquisition Company, LLC	FHA	3	0%	100%	$185,000
Mortgage Equity Partners LLC	Conventional, FHA	3	0%	100%	$425,000
Lendsure Mortgage Corp.	Conventional, Jumbo	3	0%	100%	$425,000
GuardHill Financial LLC	Conventional	3	0%	100%	$545,000
Meadowbrook Financial Mortgage Bankers Corp.	Conventional	3	0%	100%	$655,000
Valley National Bank A+5.0 ★Texas Ratio: 5.76%	Conventional, Jumbo	3	0%	100%	$235,000	View
Magnolia Bank A-5.0 ★Texas Ratio: 14.97%	Conventional, FHA, VA	3	0%	100%	$225,000	View
State Departmenet Federal Credit Union	Conventional	3	0%	100%	$95,000
Utilities Employees Credit Union	Conventional	3	0%	100%	$105,000
Berkshire Bank A-5.0 ★Texas Ratio: 14.36%	Conventional, HELOC	2 +21 HELOCs	0%	50%	$305,000	View
Valon Mortgage	Conventional, HELOC	2 +3 HELOCs	0%	100%	$205,000
The Loan Store, Inc	Conventional, HELOC	2 +1 HELOCs	0%	75%	$165,000
A&D Mortgage LLC A+5.0 ★Texas Ratio: 4.11%	Conventional	2	0%	100%	$325,000	View
Hartford Funding, Ltd.	Conventional	2	0%	100%	$195,000
Huntington National Bank A+5.0 ★Texas Ratio: 3.66%	Conventional	2	0%	100%	$335,000	View
Monson Savings Bank A+5.0 ★Texas Ratio: 1.92%	Conventional	2	0%	100%	$505,000	View
Bison State Bank A+5.0 ★Texas Ratio: 2.38%	Conventional	2	0%	100%	$335,000	View
Ally Bank A5.0 ★Texas Ratio: 8.00%	Conventional	2	0%	100%	$585,000	View
Pivot Financial Partners, Inc	FHA	2	0%	100%	$145,000
Bay Equity LLC	Conventional, FHA	2	0%	100%	$245,000
American Internet Mortgage, Inc.	Conventional	2	0%	50%	$105,000
Hsbc Bank USA, NA A+5.0 ★Texas Ratio: 4.86%	Conventional	2	0%	100%	$255,000	View
Churchill Mortgage Corporation	Conventional	2	0%	100%	$265,000
Planet Home Lending, LLC	VA	2	0%	66.7%	$285,000
Armed Forces Bank, N.A. A+5.0 ★Texas Ratio: 4.81%	VA, Jumbo	2	0%	100%	$275,000	View
The Northern Trust Co A4.7 ★Texas Ratio: 0.83%	Conventional, Jumbo	2	0%	100%	$1,405,000	View
The Central Trust Bank A+5.0 ★Texas Ratio: 3.12%	Conventional, Jumbo	2	0%	100%	$375,000	View
Suffolk Federal Credit Union	Conventional	2	0%	66.7%	$355,000
Prosperity Home Mortgage, LLC	Conventional	2	0%	100%	$205,000
Ixonia Bank A+5.0 ★Texas Ratio: 2.14%	Conventional	2	0%	66.7%	$125,000	View
Stanford Federal Credit Union	Conventional	2	0%	100%	$355,000
Toyota Financial Savings Bank	Conventional	2	0%	100%	$375,000
United Nations Federal CU	Conventional	2	0%	66.7%	$545,000
Webster Bank, N.A.	Conventional, Jumbo	2	0%	100%	$885,000
Nexera Holding LLC	Conventional	2	0%	100%	$545,000
Ameris Bank ★ 4 stars, 1 review A+5.0 ★Texas Ratio: 1.82%	Conventional, FHA	2	0%	100%	$275,000	View
Hanscom Federal Credit Union	Conventional, HELOC	1 +3 HELOCs	0%	100%	$245,000
Central One Federal Credit Union	Conventional, HELOC	1 +2 HELOCs	0%	100%	$85,000
American Airlines Federal Cred	Conventional, HELOC	1 +1 HELOCs	0%	100%	$275,000
Bank Fund Staff Federal Credit	Conventional, HELOC	1 +1 HELOCs	0%	100%	$755,000
Baxter Credit Union	Conventional, HELOC	1 +1 HELOCs	0%	100%	$95,000
Empeople Credit Union	Conventional, HELOC	1 +1 HELOCs	0%	100%	$245,000
Semper Home Loans, Inc	Conventional	1	0%	100%	$245,000
Verus	Conventional	1	0%	100%	$405,000
Premia Mortgage, LLC	Conventional	1	0%	100%	$675,000
First Community Mortgage, Inc.	FHA	1	0%	50%	$375,000
First Horizon Bank ★ 5 stars, 1 review A+5.0 ★Texas Ratio: 5.76%	Conventional	1	0%	100%	$165,000	View
Meridian Bank C3.9 ★Texas Ratio: 27.97%	FHA	1	0%	100%	$245,000	View
American Financial Resources LLC	Conventional	1	0%	100%	$115,000
Old National Bank A+5.0 ★Texas Ratio: 4.98%	Conventional	1	0%	100%	$415,000	View
Cliffco, Inc.	Conventional	1	0%	100%	$445,000
Atlantic Coast Mortgage, LLC	Conventional	1	0%	100%	$365,000
Lakeview Community Capital	FHA	1	0%	100%	$175,000
Atlantic Union Bank A+5.0 ★Texas Ratio: 2.51%	Conventional	1	0%	100%	$385,000	View
Envoy Mortgage, Ltd	Conventional	1	0%	100%	$335,000
Kind Lending, LLC	Conventional	1	0%	100%	$455,000
Allied Mortgage Group, Inc	Conventional	1	0%	100%	$225,000
Flagstar Bank NA D3.3 ★Texas Ratio: 35.11%	Conventional	1	0%	25%	$185,000	View
Triad Financial Services, Inc. A+5.0 ★Texas Ratio: 5.06%	Conventional	1	0%	40%	$115,000	View
Dart Bank	Conventional	1	0%	100%	$255,000
Reliant Home Funding, Inc	Conventional	1	0%	100%	$175,000
General Mortgage Capital Corporation	Conventional	1	0%	100%	$235,000
Navigant Credit Union	Conventional	1	0%	100%	$365,000
Bank Rhode Island	Conventional	1	0%	50%	$455,000
Everett Co-Operative Bank A+5.0 ★Texas Ratio: 0.89%	Conventional	1	0%	100%	$455,000	View
First Alliance Home Mortgage, LLC	FHA	1	0%	100%	$145,000
Absolute Home Mortgage	Conventional	1	0%	100%	$385,000
Developer's Mortgage Company	Conventional	1	0%	50%	$155,000
Greenwood Credit Union	Conventional	1	0%	100%	$285,000
Securitynational Mortgage Company	FHA	1	0%	50%	$545,000
Union Home Mortgage Corp.	VA	1	0%	100%	$355,000
Freedom Credit Union	Conventional	1	0%	100%	$245,000
First Colony Mortgage Corporat	FHA	1	0%	100%	$385,000
Credit Union One A5.0 ★Texas Ratio: 13.41%	Conventional	1	0%	100%	$175,000	View
Congressional Federal Credit Union	Conventional	1	0%	50%	$105,000
SeaComm Federal Credit Union	Conventional	1	0%	100%	$555,000
Triad Bank, N.A. A+5.0 ★Texas Ratio: 5.06%	Conventional	1	0%	100%	$805,000	View
Calcon Mutual Mortgage LLC	Conventional	1	0%	100%	$235,000
Nfm, Inc	Conventional	1	0%	100%	$795,000
Oceanfirst Bank A+5.0 ★Texas Ratio: 5.26%	Conventional	1	0%	100%	$505,000	View
Premium Mortgage Corporation	Conventional	1	0%	100%	$195,000
Shoreham Bank	Conventional	1	0%	50%	$295,000
New Century Bank A+5.0 ★Texas Ratio: 5.98%	Conventional	1	0%	100%	$605,000	View
Axos Bank A+5.0 ★Texas Ratio: 3.94%	Conventional	1	0%	100%	$725,000	View
Eagle Bank A+5.0 ★Texas Ratio: 0.32%	Conventional, Jumbo	1	0%	100%	$1,805,000	View
NBH Bank A+5.0 ★Texas Ratio: 2.90%	Conventional	1	0%	100%	$465,000	View
Newburyport Five Cents Savings Bank A-4.9 ★Texas Ratio: 16.54%	Conventional	1	0%	100%	$755,000	View
Embrace Home Loans, Inc.	Conventional, Jumbo	1	0%	50%	$1,505,000
FineMark National Bank & Trust	Conventional, Jumbo	1	0%	100%	$2,005,000
Webster Five Cents Savings Bank	Conventional	1	0%	100%	$415,000
Arvest Bank A5.0 ★Texas Ratio: 7.48%	Conventional	1	0%	100%	$125,000	View
Change Lending A+5.0 ★Texas Ratio: 3.68%	Conventional, Jumbo	1	0%	100%	$1,765,000	View
Nasa Federal Credit Union	Conventional	1	0%	100%	$445,000
First Ciitizens Bank and Trust A5.0 ★Texas Ratio: 7.72%	Conventional, Jumbo	1	0%	100%	$935,000	View
First Bank	Conventional, Jumbo	1	0%	100%	$1,145,000
1St Colonial Community Bank	Conventional	1	0%	100%	$265,000
Northwest Community Bank A4.9 ★Texas Ratio: 7.16%	Conventional	1	0%	100%	$425,000	View
First Western Federal Savings Bank	Conventional	1	0%	100%	$55,000
American Broadcast Employees FCU	Conventional	1	0%	100%	$305,000
Radius Financial Group Inc	Conventional	1	0%	100%	$465,000
Nexbank A-5.0 ★Texas Ratio: 14.93%	Conventional	1	0%	100%	$335,000	View
Mortgage Solutions of Colorado	FHA	1	0%	100%	$245,000
Home State Bank National Association A+5.0 ★Texas Ratio: 0.47%	Conventional	1	0%	100%	$375,000	View
Citadel Servicing Corporation	Conventional	1	0%	100%	$245,000
ClearEdge Lending LLC	Conventional	1	0%	100%	$325,000
Members Mortgage Company Inc	Conventional	1	0%	100%	$715,000
Cfbank NA ★ 1 stars, 1 review A+5.0 ★Texas Ratio: 5.55%	Conventional	1	0%	100%	$285,000	View
America'S First Network Credit	Conventional	1	0%	100%	$365,000
Mld Mortgage, Inc.Dba the Money Store	Conventional	1	0%	100%	$575,000
Heritage Bank NA C-3.6 ★Texas Ratio: 31.27%	Conventional	1	0%	100%	$505,000	View
Lee Bank A+5.0 ★Texas Ratio: 4.42%	Conventional	1	0%	100%	$155,000	View
Community National Bank A+5.0 ★Texas Ratio: 2.92%	Conventional	1	0%	100%	$505,000	View
First National Bank of Omaha A+5.0 ★Texas Ratio: 4.82%	Conventional	1	0%	100%	$165,000	View
Figure Lending LLC	HELOC	0 +45 HELOCs	0%	n/a
Quorum Federal Credit Union	HELOC	0 +3 HELOCs	0%	0%
First Savings Bank	HELOC	0 +2 HELOCs	0%	n/a
Gte Federal Credit Union	HELOC	0 +2 HELOCs	0%	n/a
Arrow Bank NA A+5.0 ★Texas Ratio: 1.96%	HELOC	0 +2 HELOCs	0%	n/a		View
Georgia'S Own Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Tower Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Liberty Savings Bank, FSB	HELOC	0 +1 HELOCs	0%	n/a
Meredith Village Savings Bank A+5.0 ★Texas Ratio: 3.52%	HELOC	0 +1 HELOCs	0%	n/a		View
Harvard Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Affinity Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Mission Loans, LLC	HELOC	0 +1 HELOCs	0%	66.7%
Wings Financial Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Northern Bank & Trust Company A5.0 ★Texas Ratio: 13.93%	HELOC	0 +1 HELOCs	0%	n/a		View
RBC Bank (Georgia), N.A.	HELOC	0 +1 HELOCs	0%	n/a

Lender counts and market shares come from 2025 federal HMDA loan data, the public record of mortgage applications and closings. Health grades: MonitorBankRates, rates as of Oct 8, 2026.

Vermont Mortgage Rate Trends

Daily average mortgage rates for Vermont compared with the national average, updated every evening.

30-Year Fixed VT Avg

7.341%

▲ 0.075 vs 7 days ago

15-Year Fixed VT Avg

6.987%

▲ 0.039 vs 7 days ago

Mortgage Lenders and Mortgage Brokers Near Me in Vermont

Looking for mortgage lenders near me or mortgage brokers near me in Vermont? Choose your city below to see the banks, credit unions and mortgage brokers that closed home loans there in 2025.

Types of Mortgage Lenders in Vermont

Use these to narrow the list above. Each category shows how many Vermont lenders fit and what that kind of lender is usually best for.

Mortgage companies and brokers 104 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 108 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 41 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 63 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 57 lenders. No down payment and no mortgage insurance for eligible veterans and service members USDA lenders 9 lenders. Zero down loans in eligible rural and suburban areas Jumbo lenders 69 lenders. Loans above the conforming limit for higher priced homes Local lenders based in VT 11 lenders headquartered in Vermont, the closest thing to a mortgage lender near you

Who Lends in Vermont

Independent mortgage companies closed 38.3 percent of home loans in Vermont in 2025, banks 32 percent and credit unions 29.7 percent. Rocket Mortgage was the largest mortgage company, Union Bank the largest bank and EastRise Federal Credit Union the largest credit union. Among lenders headquartered in Vermont, EastRise Federal Credit Union led with 1,692 loans.

38.3%

Mortgage companies

32%

Banks

29.7%

Credit unions

FHA loans

VA loans

How to Read This List

A high approval share with a small median loan usually points to a lender comfortable with first time and FHA borrowers. A large median loan with conventional and jumbo programs points to a move up and jumbo specialist. The health grade says whether a bank or credit union is financially sound; it says nothing about service, which is what the reviews below are for.

Attorneys customarily handle closings in Vermont. Property transfer tax paid by the buyer: 1.25 percent generally, with a principal residence taxed at 0.5 percent on the first $200,000 and 1.25 percent above that; most transfers also carry a 0.22 percent clean water surcharge, and non-primary residences (second homes) pay 3.4 percent plus the surcharge.

More Vermont Mortgage Lenders and Brokers

Each city page ranks the lenders that closed loans inside that city and flags lenders based there. Every city with home loans closed there in 2025 is listed.

South Burlington 61 lenders Burlington 48 lenders Essex Junction 42 lenders Rutland 42 lenders Milton 40 lenders Barre 35 lenders Springfield 38 lenders Swanton 34 lenders Fairfax 33 lenders St. Albans 33 lenders Westford 27 lenders Shelburne 34 lenders Stowe 45 lenders Montpelier 29 lenders Jericho 32 lenders St. Johnsbury 34 lenders St. George 33 lenders Bennington 33 lenders East Barre 36 lenders Morrisville 39 lenders Stratton Mountain 44 lenders Quechee 29 lenders Winooski 27 lenders Killington Village 43 lenders Northfield 29 lenders Highgate Center 23 lenders South Hero 26 lenders Richford 26 lenders New Haven 29 lenders Williamstown 28 lenders Waterbury 25 lenders Middlebury 21 lenders North Troy 32 lenders Jeffersonville 32 lenders Newport 25 lenders Alburgh 29 lenders South Barre 23 lenders Bakersfield 24 lenders Enosburg Falls 24 lenders Ludlow 34 lenders Grafton 28 lenders Plainfield 23 lenders Chester 28 lenders Brattleboro 22 lenders Sutton 28 lenders Woodstock 29 lenders North Clarendon 25 lenders Worcester 21 lenders Brandon 23 lenders Derby Line 23 lenders Irasburg 15 lenders Richmond 21 lenders White River Junction 23 lenders Chimney Hill 31 lenders West Brattleboro 19 lenders Chelsea 18 lenders Windsor 20 lenders Algiers 17 lenders Randolph 23 lenders Bristol 15 lenders Wallingford 24 lenders Concord 23 lenders Orleans 17 lenders West Charlotte 21 lenders Bethel 23 lenders Poultney 22 lenders Wilder 16 lenders Danville 18 lenders Wolcott 22 lenders Arlington 24 lenders Barnet 18 lenders Coventry 21 lenders Johnson 18 lenders North Hartland 17 lenders Stamford 24 lenders West Burke 21 lenders Ascutney 19 lenders Castleton 18 lenders North Hyde Park 16 lenders Groton 20 lenders Huntington 17 lenders Hyde Park 18 lenders Waitsfield 18 lenders Bellows Falls 21 lenders Norwich 17 lenders Bradford 15 lenders East Montpelier 16 lenders North Westminster 14 lenders Fair Haven 14 lenders Vergennes 14 lenders South Shaftsbury 15 lenders Manchester 20 lenders Newfane 14 lenders South Royalton 18 lenders Derby Center 12 lenders Hardwick 15 lenders Lyndon 14 lenders Beecher Falls 21 lenders Greensboro 14 lenders Jamaica 15 lenders Proctorsville 23 lenders South Lincoln 18 lenders South Londonderry 20 lenders Wells River 16 lenders Weston 17 lenders West Rutland 14 lenders Lyndonville 23 lenders Pittsford 14 lenders Saxtons River 13 lenders Dorset 17 lenders Island Pond 13 lenders West Dummerston 12 lenders Proctor 11 lenders Benson 13 lenders Danby 11 lenders North Bennington 13 lenders Putney 11 lenders Fairlee 13 lenders Jacksonville 13 lenders Middletown Springs 12 lenders Pownal 14 lenders Chittenden 9 lenders Manchester Center 13 lenders Pawlet 9 lenders

Frequently Asked Questions About Mortgage Lenders in Vermont

Who is the largest mortgage lender in Vermont?

By home loans closed in 2025, EastRise Federal Credit Union was the largest mortgage lender in Vermont with 1,692 loans, about 17.9 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which mortgage lenders in Vermont have the highest approval rates?

Among lenders with meaningful volume in Vermont, Green Mountain Credit Union approved the highest share of completed applications in 2025 at 100 percent, against a 84.9 percent average for all lenders. Approval share reflects the applicants a lender attracts as much as its underwriting, so compare it alongside loan programs and median loan size. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which Vermont mortgage lenders offer FHA, VA and USDA loans?

63 lenders closed FHA loans in Vermont in 2025, led by Rocket Mortgage with 134. 57 lenders closed VA loans, led by Mortgage Research Center, and 9 closed USDA rural loans. Use the FHA and VA filters above the table to see only those lenders; FHA loans allow 3.5 percent down and lower credit scores, VA loans need no down payment for eligible veterans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Are credit unions and local banks included in this Vermont lender list?

Yes. 108 banks and 41 credit unions closed home loans in Vermont in 2025, alongside 104 independent mortgage companies and brokers. Banks and credit unions carry a MonitorBankRates health grade. Mortgage companies are not deposit institutions, so they have no health grade; their HMDA figures and borrower reviews stand in. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

How are mortgage lenders in Vermont ranked on this page?

Lenders are ranked only by the number of home loans they closed in Vermont during 2025 as reported under the federal Home Mortgage Disclosure Act. No lender pays to be listed or to rank higher, and reviews do not change the order. Counts cover first and second lien loans on one to four unit homes for purchase, refinance and home improvement; home equity lines are counted separately.

Methodology and Sources

Lender rankings use the loan level records that lenders file under the Home Mortgage Disclosure Act, published by the FFIEC and the Consumer Financial Protection Bureau for the 2025 reporting year. Counts include originated first and subordinate lien loans on one to four unit homes in Vermont for purchase, refinance and other purposes; home equity lines of credit are counted separately and reverse mortgages and business purpose loans are excluded. Approval share is originations plus approved but not accepted applications divided by all completed applications (withdrawn and incomplete files are excluded). Lender type comes from the lender's federal regulator and the FFIEC National Information Center. Health grades are MonitorBankRates data and are current as of the date shown. Lenders below the HMDA reporting thresholds do not appear. MonitorBankRates receives no payment for placement on this page. Last updated October 8, 2026.