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Mortgage Lenders and Brokers in Waitsfield, Vermont

Content reviewed by

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

Waitsfield, Vermont mortgage lenders include Northfield Savings BankNorthfield Savings Bank200 Mad River Park, Waitsfield, VT 05673A+5.0 ★Texas Ratio: 3.85%, 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%, National Bank of MiddleburyNational Bank of Middlebury6 Park St, Brandon, VT 05733A+5.0 ★Texas Ratio: 1.16%, Community Bank, N.A.Community Bank, N.A.361 N Main St, Barre, VT 05641A+5.0 ★Texas Ratio: 3.83%, Vermont Federal Credit UnionVermont Federal Credit Union315 N Main St, Barre, VT 05641A+5.0 ★Texas Ratio: 3.32%, M&T BankM&T Bank292 N Main St, Barre, VT 05641A+5.0 ★Texas Ratio: 4.11%, TD BankTD Bank36 N Main St, Barre, VT 05641A+5.0 ★Texas Ratio: 3.71%, EMM Loans LLC, and Newrez LLC. 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 Waitsfield, Vermont in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Waitsfield 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 Waitsfield, Vermont

Market share is the lender's share of all home loans closed in Waitsfield, 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
Northfield Savings Bank 1 office in Waitsfield 200 Mad River Park, Waitsfield, VT 05673 A+5.0 ★Texas Ratio: 3.85%	Conventional, Jumbo	6	15%	100%	$906,666	View
EastRise Federal Credit Union 194 North St, Bennington, VT 05201 3055 A+5.0 ★Texas Ratio: 3.84%	Conventional	9	22.5%	81.8%	$263,888	View
Union Bank 1028 Us Route 302, Berlin, VT 05641 A-4.8 ★Texas Ratio: 14.30%	Conventional	4	10%	100%	$252,500	View
National Bank of Middlebury 6 Park St, Brandon, VT 05733 A+5.0 ★Texas Ratio: 1.16%	Conventional	2	5%	100%	$315,000	View
Community Bank, N.A. 361 N Main St, Barre, VT 05641 A+5.0 ★Texas Ratio: 3.83%	Conventional, HELOC	1 +1 HELOCs	2.5%	100%	$45,000	View
Vermont Federal Credit Union 315 N Main St, Barre, VT 05641 A+5.0 ★Texas Ratio: 3.32%	HELOC	0 +2 HELOCs	0%	n/a		View
M&T Bank 292 N Main St, Barre, VT 05641 A+5.0 ★Texas Ratio: 4.11%	HELOC	0 +1 HELOCs	0%	n/a		View
TD Bank 36 N Main St, Barre, VT 05641 A+5.0 ★Texas Ratio: 3.71%	HELOC	0 +1 HELOCs	0%	n/a		View
EMM Loans LLC	Conventional	4	10%	100%	$555,000
Newrez LLC	Conventional	2	5%	66.7%	$330,000
Morgan Stanley Private Bank NA A4.8 ★Texas Ratio: 2.45%	Conventional, Jumbo	2	5%	100%	$735,000	View
Passumpsic Bank A5.0 ★Texas Ratio: 7.85%	Conventional	1	2.5%	100%	$565,000	View
Rocket Mortgage	Conventional	1	2.5%	50%	$365,000
Msa Mortgage, LLC	Conventional	1	2.5%	50%	$485,000
Amerisave Mortgage Company	Conventional	1	2.5%	100%	$205,000
Bank of America NA A+5.0 ★Texas Ratio: 4.14%	Conventional, Jumbo	1	2.5%	100%	$1,655,000	View
Nationstar Mortgage	Conventional	1	2.5%	100%	$535,000
GuardHill Financial LLC	Conventional	1	2.5%	100%	$765,000
Digital Federal Credit Union	Conventional	1	2.5%	100%	$405,000
Better Mortgage Corporation	Conventional	1	2.5%	100%	$255,000
Navy Federal Credit Union	VA	1	2.5%	100%	$765,000
Figure Lending LLC	HELOC	0 +1 HELOCs	0%	n/a
HomeBridge Financial Services, Inc	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.

Waitsfield 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 Waitsfield, Vermont

Looking for mortgage lenders near me or mortgage brokers near me in Waitsfield? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Waitsfield in 2025, with lenders based there listed first.

Types of Mortgage Lenders in Waitsfield, VT

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

Mortgage companies and brokers 10 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 9 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 4 lenders. Member owned, often lower fees and flexible underwriting for members VA lenders 1 lenders. No down payment and no mortgage insurance for eligible veterans and service members Jumbo lenders 3 lenders. Loans above the conforming limit for higher priced homes Local lenders based in VT 5 lenders headquartered in Vermont, the closest thing to a mortgage lender near you

Who Lends in Waitsfield, VT

Independent mortgage companies closed 30 percent of home loans in Waitsfield, Vermont in 2025, banks 42.5 percent and credit unions 27.5 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.

30%

Mortgage companies

42.5%

Banks

27.5%

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 Lender Pages

All Vermont lenders 238 lenders 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

Frequently Asked Questions About Mortgage Lenders in Waitsfield, VT

Who is the largest mortgage lender in Waitsfield, VT?

By home loans closed in 2025, Northfield Savings Bank was the largest mortgage lender in Waitsfield, Vermont with 6 loans, about 15 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Are credit unions and local banks included in this Waitsfield, VT lender list?

Yes. 9 banks and 4 credit unions closed home loans in Waitsfield, Vermont in 2025, alongside 10 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 Waitsfield, VT ranked on this page?

Lenders are ranked only by the number of home loans they closed in Waitsfield, 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 Waitsfield, 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 Waitsfield. 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.