Mortgage Lenders and Brokers in White River Junction, Vermont
Brian McKay
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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.
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✓Fact Checked
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Loan Rates Last Updated and Verified: October 7, 2026
White River Junction, Vermont mortgage lenders include Mascoma BankMascoma Bank31 Maple St, White River Junction, VT 05001A+5.0 ★Texas Ratio: 1.41%, Community Bank, N.A.Community Bank, N.A.25 Ralph Lehman Dr, White River Junction, VT 05001A+5.0 ★Texas Ratio: 3.83%, EastRise Federal Credit UnionEastRise Federal Credit Union194 North St, Bennington, VT 05201 3055A+5.0 ★Texas Ratio: 3.84%, Citizens Bank, NACitizens Bank, NA310 Main St, Bennington, VT 05201A+5.0 ★Texas Ratio: 5.44%, 802 Credit Union802 Credit Union1285 VA Cutoff Rd, White River Junction, VT 05001 9773A5.0 ★Texas Ratio: 8.74%, TD BankTD Bank36 N Main St, Barre, VT 05641A+5.0 ★Texas Ratio: 3.71%, EMM Loans LLC, Rocket Mortgage, Service Federal Credit Union, and United Wholesale Mortgage. 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 White River Junction, Vermont in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in White River 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 White River Junction, Vermont
Market share is the lender's share of all home loans closed in White River 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 |
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2 offices in White River Junction 31 Maple St, White River Junction, VT 05001 A+5.0 ★Texas Ratio: 1.41% |
Conventional, HELOC | 7 +9 HELOCs |
12.3% | 88.9% | $199,285 | View |
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1 office in White River Junction 25 Ralph Lehman Dr, White River Junction, VT 05001 A+5.0 ★Texas Ratio: 3.83% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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194 North St, Bennington, VT 05201 3055 A+5.0 ★Texas Ratio: 3.84% |
Conventional, HELOC | 3 +1 HELOCs |
5.3% | 100% | $178,333 | View |
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310 Main St, Bennington, VT 05201 A+5.0 ★Texas Ratio: 5.44% |
Conventional, HELOC | 1 +4 HELOCs |
1.8% | 100% | $445,000 | View |
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1285 VA Cutoff Rd, White River Junction, VT 05001 9773 A5.0 ★Texas Ratio: 8.74% |
Conventional | 1 | 1.8% | 100% | $75,000 | View |
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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
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Conventional, VA | 13 | 22.8% | 100% | $281,923 | |
Rocket Mortgage
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Conventional | 6 | 10.5% | 75% | $160,000 | |
Service Federal Credit Union
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Conventional, HELOC | 5 +1 HELOCs |
8.8% | 83.3% | $189,000 | |
United Wholesale Mortgage
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Conventional, FHA | 3 | 5.3% | 75% | $341,666 | |
Cmg Mortgage Inc
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Conventional, FHA, HELOC | 2 +1 HELOCs |
3.5% | 100% | $235,000 | |
Bar Harbor Bank & Trust
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Conventional | 2 | 3.5% | 100% | $250,000 | |
Navy Federal Credit Union
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Conventional | 2 | 3.5% | 100% | $290,000 | |
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A5.0 ★Texas Ratio: 7.85% |
USDA | 1 | 1.8% | 100% | $205,000 | View |
Alliant Credit Union
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Conventional | 1 | 1.8% | 100% | $425,000 | |
Lakeview Loan Servicing, LLC
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VA | 1 | 1.8% | 100% | $355,000 | |
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D3.3 ★Texas Ratio: 35.11% |
Conventional | 1 | 1.8% | 100% | $185,000 | View |
Amerisave Mortgage Company
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VA | 1 | 1.8% | 100% | $425,000 | |
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A+5.0 ★Texas Ratio: 5.36% |
Conventional | 1 | 1.8% | 100% | $255,000 | View |
Webster Five Cents Savings Bank
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Conventional | 1 | 1.8% | 100% | $415,000 | |
Mortgage Research Center
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VA | 1 | 1.8% | 50% | $445,000 | |
Geneva Financial LLC
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Conventional | 1 | 1.8% | 100% | $335,000 | |
Reliance First Capital, LLC
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Conventional | 1 | 1.8% | 100% | $215,000 | |
Spring Eq, LLC
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Conventional | 1 | 1.8% | 100% | $25,000 | |
American Neighborhood Mortgage Acceptance Company
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FHA | 1 | 1.8% | 100% | $405,000 | |
Figure Lending LLC
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HELOC | 0 +1 HELOCs |
0% | n/a |
White River 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 White River Junction, Vermont
Looking for mortgage lenders near me or mortgage brokers near me in White River Junction? The list below shows the banks, credit unions and mortgage brokers that closed home loans in White River Junction in 2025, with lenders based there listed first.
Types of Mortgage Lenders in White River Junction, VT
Use these to narrow the list above. Each category shows how many White River Junction, VT lenders fit and what that kind of lender is usually best for.
Who Lends in White River Junction, VT
Independent mortgage companies closed 54.4 percent of home loans in White River Junction, Vermont in 2025, banks 24.6 percent and credit unions 21.1 percent. EMM Loans LLC was the largest mortgage company, Mascoma Bank the largest bank and EastRise Federal Credit Union the largest credit union. Among lenders headquartered in Vermont, EastRise Federal Credit Union led with 3 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 White River Junction, VT
By home loans closed in 2025, Mascoma Bank was the largest mortgage lender in White River Junction, Vermont with 7 loans, about 12.3 percent of the market. The largest lender headquartered in Vermont was EastRise Federal Credit Union with 3 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
3 lenders closed FHA loans in White River Junction, Vermont in 2025, led by United Wholesale Mortgage with 1. 4 lenders closed VA loans, led by EMM Loans LLC, and 1 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.
Yes. 9 banks and 5 credit unions closed home loans in White River Junction, Vermont in 2025, alongside 12 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 White River 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 White River 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 White River 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.
