Top Mortgage Lenders in Vermont (2025)
In 2025, 278 lenders made 13,421 home loans worth $3.7 billion in Vermont, according to Home Mortgage Disclosure Act (HMDA) data. The five largest made 39.6% of them. Eastrise Federal Credit Union made the most. Below: the top 25 lenders overall, then the top lenders for each kind of loan.
The 25 largest mortgage lenders in Vermont, 2025
Ranked by the number of home loans each lender made (originated) in Vermont in 2025, wherever the lender is based.
| # | Lender | Loans made | Loan volume | Avg. loan | Market share | Denial rate |
|---|---|---|---|---|---|---|
| 1 | Eastrise Federal Credit Union Williston, VT | 2,632 | $529.2M | $201,000 | 19.6% | 6.3% |
| 2 | Vermont Federal Credit Union South Burlington, VT | 771 | $157.6M | $204,000 | 5.7% | 12.8% |
| 3 | Northcountry Federal Credit Union Burlington, VT | 740 | $114.0M | $154,000 | 5.5% | 12.6% |
| 4 | Emm Loans LLC Cherry Hill, NJ | 644 | $233.3M | $362,000 | 4.8% | 1.6% |
| 5 | Union Bank Morrisville, VT | 533 | $154.1M | $289,000 | 4.0% | 5.1% |
| 6 | Mascoma Bank Lebanon, NH | 500 | $176.1M | $352,000 | 3.7% | 18.0% |
| 7 | Passumpsic Bank Chesterfield, NH | 458 | $167.7M | $366,000 | 3.4% | 2.1% |
| 8 | Community Bank, N.A. Canton, NY | 402 | $86.8M | $216,000 | 3.0% | 16.5% |
| 9 | Citizens Bank, NA Providence, RI | 397 | $85.2M | $215,000 | 3.0% | 43.6% |
| 10 | M&T Bank Buffalo, NY | 352 | $99.9M | $284,000 | 2.6% | 33.7% |
| 11 | CMG Mortgage Inc San Ramon, IL | 320 | $117.7M | $368,000 | 2.4% | 6.8% |
| 12 | 802 Credit Union Barre, VT | 314 | $55.0M | $175,000 | 2.3% | 3.7% |
| 13 | Community National Bank Newport, VT | 262 | $68.5M | $261,000 | 2.0% | 5.4% |
| 14 | Northfield Savings Bank Berlin, VT | 225 | $94.1M | $418,000 | 1.7% | 11.5% |
| 15 | TD Bank Mount Laurel, NJ | 207 | $85.0M | $411,000 | 1.5% | 31.3% |
| 16 | Mortgage Research Center Columbia, MO | 167 | $52.8M | $316,000 | 1.2% | 25.0% |
| 17 | United Wholesale Mortgage Plymouth, MI | 166 | $66.0M | $397,000 | 1.2% | 10.6% |
| 18 | Peoples Trust Company of St. Albans St. Albans, VT | 165 | $49.9M | $303,000 | 1.2% | 9.7% |
| 19 | Guild Mortgage Company San Diego, CA | 154 | $43.3M | $281,000 | 1.1% | 3.6% |
| 20 | Fairway Independent Mort Corp Madison, WI | 119 | $37.3M | $313,000 | 0.9% | 12.5% |
| 21 | Better Mortgage Corporation New York, NY | 117 | $39.9M | $341,000 | 0.9% | 32.2% |
| 22 | National Bank of Middlebury Middlebury, VT | 116 | $35.7M | $308,000 | 0.9% | 6.5% |
| 23 | Freedom Mortgage Corporation Boca Raton, FL | 99 | $31.3M | $317,000 | 0.7% | 15.6% |
| 24 | Navy Federal Credit Union Vienna, VA | 92 | $27.3M | $297,000 | 0.7% | 27.9% |
| 25 | Bank of America NA Westlake Village, CA | 87 | $48.8M | $561,000 | 0.6% | 36.9% |
Top Home Purchase Lenders in Vermont
220 lenders made 6,450 home purchase loans worth $2.4 billion in 2025. Nationwide ranking
| # | Lender | Loans made | Market share |
|---|---|---|---|
| 1 | Eastrise Federal Credit Union Williston, VT | 1,083 | 16.8% |
| 2 | Emm Loans LLC Cherry Hill, NJ | 604 | 9.4% |
| 3 | Passumpsic Bank Chesterfield, NH | 409 | 6.3% |
| 4 | Union Bank Morrisville, VT | 407 | 6.3% |
| 5 | CMG Mortgage Inc San Ramon, IL | 265 | 4.1% |
| 6 | Mascoma Bank Lebanon, NH | 242 | 3.8% |
| 7 | Vermont Federal Credit Union South Burlington, VT | 229 | 3.6% |
| 8 | Northcountry Federal Credit Union Burlington, VT | 157 | 2.4% |
| 9 | Community National Bank Newport, VT | 149 | 2.3% |
| 10 | Northfield Savings Bank Berlin, VT | 137 | 2.1% |
Top Refinance Lenders in Vermont
116 lenders made 2,173 refinance loans worth $582.6 million in 2025. Nationwide ranking
| # | Lender | Loans made | Market share |
|---|---|---|---|
| 1 | Eastrise Federal Credit Union Williston, VT | 503 | 23.1% |
| 2 | Northcountry Federal Credit Union Burlington, VT | 219 | 10.1% |
| 3 | Vermont Federal Credit Union South Burlington, VT | 195 | 9.0% |
| 4 | Citizens Bank, NA Providence, RI | 119 | 5.5% |
| 5 | Community Bank, N.A. Canton, NY | 96 | 4.4% |
| 6 | M&T Bank Buffalo, NY | 71 | 3.3% |
| 7 | TD Bank Mount Laurel, NJ | 63 | 2.9% |
| 8 | Freedom Mortgage Corporation Boca Raton, FL | 56 | 2.6% |
| 9 | Emm Loans LLC Cherry Hill, NJ | 40 | 1.8% |
| 10 | United Wholesale Mortgage Plymouth, MI | 38 | 1.7% |
Top Cash-Out Refinance Lenders in Vermont
121 lenders made 1,464 cash-out refinance loans worth $348.1 million in 2025. Nationwide ranking
| # | Lender | Loans made | Market share |
|---|---|---|---|
| 1 | Eastrise Federal Credit Union Williston, VT | 133 | 9.1% |
| 2 | Mascoma Bank Lebanon, NH | 58 | 4.0% |
| 3 | Amerisave Mortgage Company Sandy Springs, GA | 57 | 3.9% |
| 4 | Newrez LLC Fort Washington, PA | 49 | 3.3% |
| 5 | 802 Credit Union Barre, VT | 46 | 3.1% |
| 6 | Northcountry Federal Credit Union Burlington, VT | 40 | 2.7% |
| 7 | Freedom Mortgage Corporation Boca Raton, FL | 40 | 2.7% |
| 8 | Nationstar Mortgage Coppell, TX | 37 | 2.5% |
| 9 | Community National Bank Newport, VT | 35 | 2.4% |
| 10 | loanDepot.com LLC Irvine, CA | 34 | 2.3% |
Top FHA Lenders in Vermont
64 lenders made 736 FHA loans worth $204.4 million in 2025. Nationwide ranking
| # | Lender | Loans made | Market share |
|---|---|---|---|
| 1 | Emm Loans LLC Cherry Hill, NJ | 67 | 9.1% |
| 2 | CMG Mortgage Inc San Ramon, IL | 61 | 8.3% |
| 3 | New American Funding, Llc. Tustin, CA | 37 | 5.0% |
| 4 | Freedom Mortgage Corporation Boca Raton, FL | 35 | 4.8% |
| 5 | Guild Mortgage Company San Diego, CA | 31 | 4.2% |
| 6 | Mutual of Omaha Mortgage Lombard, IL | 30 | 4.1% |
| 7 | United Wholesale Mortgage Plymouth, MI | 29 | 3.9% |
| 8 | Better Mortgage Corporation New York, NY | 26 | 3.5% |
| 9 | Fairway Independent Mort Corp Madison, WI | 23 | 3.1% |
| 10 | Union Bank Morrisville, VT | 22 | 3.0% |
Top VA Lenders in Vermont
57 lenders made 593 VA loans worth $225.0 million in 2025. Nationwide ranking
| # | Lender | Loans made | Market share |
|---|---|---|---|
| 1 | Mortgage Research Center Columbia, MO | 136 | 22.9% |
| 2 | Freedom Mortgage Corporation Boca Raton, FL | 52 | 8.8% |
| 3 | Emm Loans LLC Cherry Hill, NJ | 38 | 6.4% |
| 4 | Navy Federal Credit Union Vienna, VA | 29 | 4.9% |
| 5 | PennyMac Loan Services LLC Westlake Village, CA | 29 | 4.9% |
| 6 | United Wholesale Mortgage Plymouth, MI | 26 | 4.4% |
| 7 | Ark-La-Tex Financial Services LLC Plano, TX | 23 | 3.9% |
| 8 | USAA Federal Savings Bank San Antonio, TX | 22 | 3.7% |
| 9 | Newrez LLC Fort Washington, PA | 19 | 3.2% |
| 10 | CMG Mortgage Inc San Ramon, IL | 14 | 2.4% |
Get the lender lists
The Vermont mortgage lender list has the 22 lenders based in Vermont, with addresses, phone numbers and their applications and dollar volume every year since 2003 ($29 for 2025, $58 for 2003–2025). The U.S. lender list has all 17,667 lenders, including the national lenders ranked above.
Vermont lender list U.S. lender listHow this ranking works
- Source: the loan records lenders filed for 2025 under the Home Mortgage Disclosure Act, published by the FFIEC and the CFPB in 2026, totaled by lender for homes in Vermont.
- Lenders are ranked by loans made, the number of loans they originated; loan volume is those loans' total amount. Loans bought from other lenders are not counted.
- Market share is the lender's share of all such loans made in Vermont. Denial rate is applications denied, divided by applications approved or denied.
- Lenders are listed under the name and city on their HMDA filing. Lenders that have asked not to appear on AllMortgageDetail are left out.
More on Vermont
Vermont mortgage data by county and metro area · mortgage lenders by city in Vermont
Nationwide rankings: All loans · Purchase · Refinance · Cash-out refi · FHA · VA · USDA
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