Home purchase lenders in Chittenden County
1,776 home purchase mortgages were made in Chittenden County, Vermont, in 2025, by 120 lenders. The median rate their borrowers got was 6.375% on a median loan of $375,000. Of 1,925 decisions, 117 were denials — 6.1%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| EASTRISE FEDERAL CREDIT UNION | 532 | 6.250% | $325,000 | 2.7% |
| NORTHEAST HOME LOAN, LLC | 208 | 6.500% | $375,000 | 1.4% |
| EMM LOANS LLC | 170 | 6.563% | $385,000 | 1.1% |
| Union Bank | 108 | 6.500% | $335,000 | 4.4% |
| CMG MORTGAGE, INC. | 100 | 6.500% | $385,000 | 5.5% |
| VERMONT FEDERAL CREDIT UNION | 88 | 6.000% | $330,000 | 5.1% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 47 | 6.624% | $475,000 | 3.9% |
| NORTH COUNTRY | 33 | 6.500% | $235,000 | 10.8% |
| Northfield Savings Bank | 33 | 6.410% | $430,000 | 5.7% |
| Manufacturers and Traders Trust Company | 32 | 6.250% | $400,000 | 17.5% |
| Community Bank, National Association | 28 | 6.750% | $435,000 | 9.7% |
| Mascoma Bank | 27 | 6.500% | $405,000 | 17.1% |
| Fairway Independent Mortgage Corporation | 23 | 6.875% | $445,000 | 8.0% |
| BETTER MORTGAGE CORPORATION | 20 | 6.563% | $470,000 | 16.7% |
| Rocket Mortgage, LLC | 19 | 6.375% | $405,000 | 13.6% |
| Opportunities Credit Union | 18 | 7.625% | $150,000 | 0.0% |
| TD Bank, National Association | 16 | 6.750% | $450,000 | 15.8% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 15 | 6.750% | $445,000 | 0.0% |
| Plains Commerce Bank | 14 | 6.625% | $470,000 | 6.7% |
| Morgan Stanley Private Bank, National Association | 13 | 5.750% | $705,000 | 0.0% |
| MOVEMENT MORTGAGE, LLC | 12 | 6.500% | $315,000 | 0.0% |
| Navy Federal Credit Union | 12 | 6.188% | $455,000 | 7.7% |
| Mortgage Research Center, LLC | 11 | 6.250% | $445,000 | 0.0% |
| GUILD MORTGAGE COMPANY | 11 | 6.625% | $445,000 | 0.0% |
| PENNYMAC LOAN SERVICES, LLC | 10 | 6.437% | $615,000 | 9.1% |
| Peoples Trust Company of St. Albans | 9 | Under 10 loans | Under 10 loans | 9.1% |
| Synergy One Lending, Inc. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Colorado Federal Savings Bank | 8 | Under 10 loans | Under 10 loans | 0.0% |
| JPMorgan Chase Bank, National Association | 8 | Under 10 loans | Under 10 loans | 0.0% |
| AMERANT MORTGAGE, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Bank, National Association | 7 | Under 10 loans | Under 10 loans | 46.7% |
| Bank of America, National Association | 7 | Under 10 loans | Under 10 loans | 0.0% |
| NBT Bank, National Association | 6 | Under 10 loans | Under 10 loans | 30.0% |
| Broker Solutions, Inc. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| KeyBank National Association | 5 | Under 10 loans | Under 10 loans | 50.0% |
| U.S. Bank National Association | 5 | Under 10 loans | Under 10 loans | 0.0% |
| The National Bank of Middlebury | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NEWREZ LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Community National Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Home Loans, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Truist Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| UBS Bank USA | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NORWICH COMMERCIAL GROUP, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Wells Fargo Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Paramount Residential Mortgage Group, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PNC Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Raymond James Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Huntington National Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Click n' Close, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Loandepot.Com, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NEXERA HOLDING LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 802 CREDIT UNION INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 21st Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 91.7% |
| USAA Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 75.0% |
| PENTAGON FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| NBKC BANK | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Citadel Servicing Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Leader Bank, National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Goldman Sachs Bank USA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NQM FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 254900IRE136HFEI2562 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BMO Bank National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BNY Mellon, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DEVELOPER'S MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| American Airlines Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EVERENCE FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| STANFORD Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Ally Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MSA MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE EQUITY PARTNERS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NASA Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers Bank & Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Berkshire Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BAY EQUITY LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Central Trust Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Camden National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bar Harbor Bank & Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DAS Acquisition Company, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citibank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LENDINGONE, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| AmeriSave Mortgage Corporation | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Discover Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| A&D Mortgage LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Service Federal Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| SOUTHWEST STAGE FUNDING, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| ZILLOW HOME LOANS, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Prosperity Home Mortgage, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| CBRE MULTIFAMILY CAPITAL, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| NATIONSTAR MORTGAGE LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Northpointe Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| TOTAL MORTGAGE SERVICES, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| CANOPY MORTGAGE, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Flagstar Bank, N.A. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| PLANET HOME LENDING, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERICAN FINANCIAL RESOURCES, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| CHURCHILL MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| REDWOOD RESIDENTIAL ACQUISITION CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| Wings Financial Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| FREEDOM MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| LAKEVIEW LOAN SERVICING, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| VILLAGE CAPITAL & INVESTMENT LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| PHH Mortgage Corporation | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERANT BANK, NATIONAL ASSOCIATION | 0 | Under 10 loans | Under 10 loans | Not published |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.