Mortgage Lenders and Brokers in Essex Junction, Vermont
Brian McKay
|
iEditorial Disclosure
Editorial DisclosureLender lists come from federal HMDA loan data. Average rates come from our daily monitoring network. Editorial content is independent of any advertiser relationships.
|
✓Fact Checked
|
Loan Rates Last Updated and Verified: October 7, 2026
Essex Junction, Vermont mortgage lenders include Northfield Savings BankNorthfield Savings Bank71 Pearl St, Essex Junction, VT 05452A+5.0 ★Texas Ratio: 3.85%, M&T BankM&T Bank50 Sunderland Way, Essex Junction, VT 05452A+5.0 ★Texas Ratio: 4.11%, Peoples Trust Company of St. AlbansPeoples Trust Company of St. Albans140 Main St, Enosburg Falls, VT 05450A+5.0 ★Texas Ratio: 2.08%, TD BankTD Bank4 Main St, Essex Junction, VT 05452A+5.0 ★Texas Ratio: 3.71%, Community Bank, N.A.Community Bank, N.A.54 Pearl St, Essex Junction, VT 05452A+5.0 ★Texas Ratio: 3.83%, Nbt Bank NANbt Bank NA2 Commonwealth Avenue, Essex Junction, VT 05452A+5.0 ★Texas Ratio: 3.43%, Keybank National AssociationKeybank National Association40 Pearl St, Essex Junction, VT 05452A+5.0 ★Texas Ratio: 4.81%, Citizens Bank, NACitizens Bank, NA84 Pearl St, Essex Junction, VT 05452A+5.0 ★Texas Ratio: 5.44%, EastRise Federal Credit UnionEastRise Federal Credit Union74 Pearl St, Essex Junction, VT 05452 3620A+5.0 ★Texas Ratio: 3.84%, and Union BankUnion Bank1028 Us Route 302, Berlin, VT 05641A-4.8 ★Texas Ratio: 14.30%. 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 Essex Junction, Vermont in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Essex Junction are listed first, then lenders elsewhere in Vermont, 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 Essex Junction, Vermont
Market share is the lender's share of all home loans closed in Essex Junction, Vermont. Approval share is approvals divided by completed applications. Grade is the MonitorBankRates Health and Safety Grade, available for banks and credit unions only. Average loan is the lender's mean loan amount here.
| Lender | Programs | Loans closed | Market share | Approval share | Average loan | View |
|---|---|---|---|---|---|---|
|
1 office in Essex Junction 71 Pearl St, Essex Junction, VT 05452 A+5.0 ★Texas Ratio: 3.85% |
Conventional | 6 | 2.3% | 100% | $310,000 | View |
|
1 office in Essex Junction 50 Sunderland Way, Essex Junction, VT 05452 A+5.0 ★Texas Ratio: 4.11% |
Conventional | 3 | 1.1% | 100% | $251,666 | View |
|
1 office in Essex Junction 140 Main St, Enosburg Falls, VT 05450 A+5.0 ★Texas Ratio: 2.08% |
Conventional | 3 | 1.1% | 100% | $305,000 | View |
|
1 office in Essex Junction 4 Main St, Essex Junction, VT 05452 A+5.0 ★Texas Ratio: 3.71% |
Conventional, Jumbo, HELOC | 2 +5 HELOCs |
0.8% | 100% | $615,000 | View |
|
1 office in Essex Junction 54 Pearl St, Essex Junction, VT 05452 A+5.0 ★Texas Ratio: 3.83% |
Conventional, HELOC | 1 +4 HELOCs |
0.4% | 100% | $295,000 | View |
|
1 office in Essex Junction 2 Commonwealth Avenue, Essex Junction, VT 05452 A+5.0 ★Texas Ratio: 3.43% |
Conventional, HELOC | 1 +3 HELOCs |
0.4% | 100% | $335,000 | View |
|
1 office in Essex Junction 40 Pearl St, Essex Junction, VT 05452 A+5.0 ★Texas Ratio: 4.81% |
Conventional, HELOC | 1 +2 HELOCs |
0.4% | 50% | $75,000 | View |
|
1 office in Essex Junction 84 Pearl St, Essex Junction, VT 05452 A+5.0 ★Texas Ratio: 5.44% |
HELOC | 0 +11 HELOCs |
0% | n/a | View | |
|
74 Pearl St, Essex Junction, VT 05452 3620 A+5.0 ★Texas Ratio: 3.84% |
Conventional, HELOC | 92 +48 HELOCs |
35% | 96.9% | $247,500 | View |
|
1028 Us Route 302, Berlin, VT 05641 A-4.8 ★Texas Ratio: 14.30% |
Conventional | 15 | 5.7% | 94.1% | $349,666 | View |
|
315 N Main St, Barre, VT 05641 A+5.0 ★Texas Ratio: 3.32% |
Conventional, HELOC | 14 +12 HELOCs |
5.3% | 94.7% | $295,714 | View |
|
37 Main St, Bethel, VT 05032 A+5.0 ★Texas Ratio: 1.41% |
Conventional | 4 | 1.5% | 100% | $392,500 | View |
|
265 S Main St, Barre, VT 05641 4815 A5.0 ★Texas Ratio: 8.74% |
Conventional | 4 | 1.5% | 100% | $110,000 | View |
|
1311 US Route 302, Barre, VT 05641 7300 C+4.2 ★Texas Ratio: 24.49% |
Conventional | 2 | 0.8% | 100% | $270,000 | View |
|
1 Market Pl, Essex Junction, VT 05452 A5.0 ★Texas Ratio: 13.41% |
Conventional | 2 | 0.8% | 100% | $25,000 | View |
|
37 S Main St, Alburgh, VT 05440 A5.0 ★Texas Ratio: 8.36% |
Conventional, HELOC | 1 +10 HELOCs |
0.4% | 25% | $445,000 | View |
|
316 N Main St, Barre, VT 05641 A+5.0 ★Texas Ratio: 2.92% |
Conventional | 1 | 0.4% | 100% | $465,000 | View |
EMM Loans LLC
|
Conventional, FHA, VA | 25 | 9.5% | 96.2% | $411,800 | |
|
A5.0 ★Texas Ratio: 7.85% |
Conventional | 19 | 7.2% | 100% | $373,947 | View |
Cmg Mortgage Inc
|
Conventional, FHA, VA | 18 | 6.8% | 95% | $351,666 | |
Rocket Mortgage
|
Conventional, VA | 9 | 3.4% | 75% | $187,222 | |
United Wholesale Mortgage
|
Conventional, VA | 7 | 2.7% | 88.9% | $350,714 | |
Guild Mortgage Company
|
Conventional, FHA | 5 | 1.9% | 100% | $289,000 | |
Ark-La-Tex Financial Services LLC
|
Conventional, VA | 4 | 1.5% | 100% | $507,500 | |
Newrez LLC
|
Conventional | 3 | 1.1% | 80% | $171,666 | |
Cornerstone First Mortgage, LLC
|
Conventional | 2 | 0.8% | 100% | $220,000 | |
Nationstar Mortgage
|
Conventional | 2 | 0.8% | 100% | $415,000 | |
Mortgage Research Center
|
VA | 2 | 0.8% | 100% | $230,000 | |
Better Mortgage Corporation
|
Conventional, HELOC | 1 +1 HELOCs |
0.4% | 50% | $775,000 | |
|
A+5.0 ★Texas Ratio: 2.85% |
Conventional | 1 | 0.4% | 100% | $365,000 | View |
Freedom Mortgage Corporation
|
VA | 1 | 0.4% | 100% | $275,000 | |
|
A+5.0 ★Texas Ratio: 3.16% |
Conventional | 1 | 0.4% | 100% | $645,000 | View |
Nbkc Bank
|
VA | 1 | 0.4% | 100% | $205,000 | |
Amerant Mortgage LLC
|
Conventional | 1 | 0.4% | 100% | $225,000 | |
Movement Mortgage, LLC
|
Conventional | 1 | 0.4% | 100% | $235,000 | |
Discover Bank
|
Conventional | 1 | 0.4% | 100% | $55,000 | |
|
A5.0 ★Texas Ratio: 8.00% |
Conventional | 1 | 0.4% | 100% | $695,000 | View |
Cardinal Financial Company, Li
|
Conventional | 1 | 0.4% | 100% | $215,000 | |
Fairway Independent Mort Corp
|
Conventional | 1 | 0.4% | 100% | $355,000 | |
|
B+4.8 ★Texas Ratio: 16.98% |
VA | 1 | 0.4% | 100% | $675,000 | View |
Paramount Residential Mortgage
|
Conventional | 1 | 0.4% | 100% | $715,000 | |
|
A5.0 ★Texas Ratio: 9.09% |
Conventional | 1 | 0.4% | 50% | $465,000 | View |
Spring Eq, LLC
|
Conventional | 1 | 0.4% | 100% | $235,000 | |
Figure Lending LLC
|
HELOC | 0 +1 HELOCs |
0% | n/a | ||
|
A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Pentagon Federal Credit Union
|
HELOC | 0 +1 HELOCs |
0% | n/a | ||
Gte Federal Credit Union
|
HELOC | 0 +1 HELOCs |
0% | n/a |
Essex Junction Mortgage Rate Trends
Daily average mortgage rates for Vermont compared with the national average, updated every evening.
Mortgage Lenders and Mortgage Brokers Near Me in Essex Junction, Vermont
Looking for mortgage lenders near me or mortgage brokers near me in Essex Junction? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Essex Junction in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Essex Junction, VT
Use these to narrow the list above. Each category shows how many Essex Junction, VT lenders fit and what that kind of lender is usually best for.
Who Lends in Essex Junction, VT
Independent mortgage companies closed 31.9 percent of home loans in Essex Junction, Vermont in 2025, banks 24.3 percent and credit unions 43.7 percent. EMM Loans LLC was the largest mortgage company, Northfield Savings Bank the largest bank and EastRise Federal Credit Union the largest credit union. Among lenders headquartered in Vermont, Northfield Savings Bank led with 6 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 Lender Pages
Frequently Asked Questions About Mortgage Lenders in Essex Junction, VT
By home loans closed in 2025, Northfield Savings Bank was the largest mortgage lender in Essex Junction, Vermont with 6 loans, about 2.3 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in Essex Junction, Vermont, EastRise Federal Credit Union approved the highest share of completed applications in 2025 at 96.9 percent, against a 93.9 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.
3 lenders closed FHA loans in Essex Junction, Vermont in 2025, led by EMM Loans LLC with 2. 9 lenders closed VA loans, led by EMM Loans LLC. 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.
Yes. 21 banks and 8 credit unions closed home loans in Essex Junction, Vermont in 2025, alongside 18 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.
Lenders are ranked only by the number of home loans they closed in Essex Junction, 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 Essex Junction, 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. City figures use the Census tracts that make up Essex Junction. 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.
