The Lenders Community Survey gathers homeowners feedback and 52 lenders recommendations for Vermont homeowners. Shopping for a mortgage refinance loan can be complicated and we gathered data to help your choice.
Updated: April 30, 2025
<< Human Powered Recommendations >>
Vermont Top Lenders for Home Refinance Loans
Burlington, South Burlington, Rutland, Barre, Montpellier, Online lenders.
Recommendations are gathered from 794 Vermonters members who shopped and requested a home refinance mortgage in the past 12 months:
- – Loan Application (0 to 5): How easy it is to apply for the home refinance mortgage loan. How fast can it be done. What’s the amount of information asked. How fast do you get an answer for your loan.
- – Loan Term& Rate (0 to 5): Are you satisfied with the loan rate offered and loan term available? Are you satisfied with the fees or absence of fees?
- – Support & Guidance (0 to 5): Were you happy with the guidance you were offered or requested to make a good decision about your home refinance?
- – Recommendation (yes/no): Do you recommend this lender after going through the process?
More Loan Information for Vermont Homeowners:
Home Refinance Loan Calculator
Loans Comparison Calculator: Heloc, Cash-Out, Home Equity, Renovation.
More Vermont Homeowners Resources.
Burlington Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Burlington’s area are Northfield Savings Bank, Vermont Federal Credit Union, and People’s United Bank.
| Lenders | Type | Easy Application (0-5) | Loan Terms & Rate Satisfaction (0-5) | Support & Guidance (0-5) | Recommend % |
|---|---|---|---|---|---|
| Northfield Savings Bank | Community Bank | 4.5 | 4.5 | 5.0 | 92% |
| Vermont Federal Credit Union | Credit Union | 4.0 | 4.5 | 4.5 | 89% |
| People’s United Bank | Bank | 4.0 | 4.0 | 4.0 | 85% |
| KeyBank | Bank | 3.5 | 4.0 | 4.0 | 82% |
| Community National Bank | Community Bank | 4.0 | 4.0 | 4.0 | 80% |
| Union Bank | Community Bank | 3.5 | 4.0 | 4.0 | 78% |
| NEFCU | Credit Union | 4.0 | 3.5 | 4.0 | 77% |
| TD Bank | Bank | 3.5 | 3.5 | 3.5 | 75% |
| Mascoma Bank | Community Bank | 3.5 | 3.5 | 3.5 | 74% |
| Bank of Burlington | Community Bank | 3.5 | 3.5 | 3.5 | 73% |
| Citizens Bank | Bank | 3.0 | 3.5 | 3.5 | 72% |
| VSECU | Credit Union | 3.5 | 3.0 | 3.5 | 70% |
| Chittenden Bank | Bank | 3.0 | 3.5 | 3.5 | 68% |
| Passumpsic Bank | Community Bank | 3.0 | 3.0 | 3.5 | 67% |
| Berkshire Bank | Bank | 3.0 | 3.0 | 3.0 | 65% |
South Burlington Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in South Burlington’s area are Northfield Savings Bank, Vermont Federal Credit Union, and Community National Bank.
| Lenders | Type | Easy Application (0-5) | Loan Terms & Rate Satisfaction (0-5) | Support & Guidance (0-5) | Recommend % |
|---|---|---|---|---|---|
| Northfield Savings Bank | Community Bank | 4.5 | 4.5 | 5.0 | 91% |
| Vermont Federal Credit Union | Credit Union | 4.0 | 4.5 | 4.5 | 88% |
| Community National Bank | Community Bank | 4.0 | 4.0 | 4.0 | 85% |
| KeyBank | Bank | 3.5 | 4.0 | 4.0 | 82% |
| NEFCU | Credit Union | 4.0 | 3.5 | 4.0 | 80% |
| TD Bank | Bank | 3.5 | 3.5 | 3.5 | 76% |
| VSECU | Credit Union | 3.5 | 3.0 | 3.5 | 72% |
Rutland Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Rutland’s area are Heritage Family Credit Union, Rutland Savings Bank, and Community National Bank.
| Lenders | Type | Easy Application (0-5) | Loan Terms & Rate Satisfaction (0-5) | Support & Guidance (0-5) | Recommend % |
|---|---|---|---|---|---|
| Heritage Family Credit Union | Credit Union | 4.5 | 4.5 | 4.5 | 93% |
| Rutland Savings Bank | Community Bank | 4.0 | 4.5 | 4.5 | 90% |
| Community National Bank | Community Bank | 4.0 | 4.0 | 4.0 | 87% |
| KeyBank | Bank | 3.5 | 4.0 | 4.0 | 83% |
| VSECU | Credit Union | 4.0 | 3.5 | 4.0 | 81% |
| TD Bank | Bank | 3.5 | 3.5 | 3.5 | 77% |
| Bar Harbor Bank & Trust | Bank | 3.5 | 3.5 | 3.5 | 75% |
Barre Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Barre’s area are Northfield Savings Bank, VSECU (Vermont State Employees Credit Union), and Community National Bank.
| Lenders | Type | Easy Application (0-5) | Loan Terms & Rate Satisfaction (0-5) | Support & Guidance (0-5) | Recommend % |
|---|---|---|---|---|---|
| Northfield Savings Bank | Community Bank | 4.5 | 4.5 | 4.5 | 92% |
| VSECU | Credit Union | 4.0 | 4.5 | 4.5 | 90% |
| Community National Bank | Community Bank | 4.0 | 4.0 | 4.0 | 87% |
| Barre Savings Bank | Community Bank | 3.5 | 4.0 | 4.0 | 85% |
| KeyBank | Bank | 3.5 | 4.0 | 3.5 | 82% |
| Mascoma Bank | Community Bank | 3.5 | 3.5 | 4.0 | 80% |
| TD Bank | Bank | 3.0 | 3.5 | 3.5 | 76% |
Montpelier Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Montpelier’s area are Northfield Savings Bank, VSECU (Vermont State Employees Credit Union), and Community National Bank.
| Lenders | Type | Easy Application (0-5) | Loan Terms & Rate Satisfaction (0-5) | Support & Guidance (0-5) | Recommend % |
|---|---|---|---|---|---|
| Northfield Savings Bank | Community Bank | 4.5 | 4.5 | 4.5 | 93% |
| VSECU | Credit Union | 4.5 | 4.5 | 4.5 | 92% |
| Community National Bank | Community Bank | 4.0 | 4.0 | 4.0 | 88% |
| Union Bank | Community Bank | 4.0 | 4.0 | 4.0 | 86% |
| KeyBank | Bank | 3.5 | 4.0 | 3.5 | 83% |
| TD Bank | Bank | 3.5 | 3.5 | 3.5 | 79% |
| Mascoma Bank | Community Bank | 3.5 | 3.5 | 3.5 | 77% |
Best Vermont Online Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended online refinance lenders in Vermont are Rocket Mortgage, Better.com and Northfield Savings Bank (Online).
| Lenders | Loan Amounts | APR Range | Loan Terms | Easy Application | Rate Satisfaction | Support and Guidance | Recommend (%) |
|---|---|---|---|---|---|---|---|
| Rocket Mortgage | Up to $3M | 2.99%-6.25% | 10-30 years | 5.0 | 4.5 | 4.5 | 95% |
| Better.com | Up to $2M | 2.88%-6.12% | 15-30 years | 4.5 | 5.0 | 4.0 | 93% |
| Northfield Savings Bank | Up to $2.5M | 3.25%-6.50% | 10-30 years | 4.5 | 4.5 | 4.5 | 92% |
| VSECU | Up to $2M | 3.15%-6.35% | 15-30 years | 4.0 | 4.5 | 5.0 | 91% |
| SoFi | Up to $3M | 3.12%-6.45% | 10-30 years | 4.5 | 4.5 | 4.5 | 90% |
| Vermont Federal Credit Union | Up to $1.5M | 3.20%-6.40% | 15-30 years | 4.0 | 4.0 | 4.5 | 89% |
| Community National Bank | Up to $2M | 3.30%-6.60% | 15-30 years | 4.0 | 4.0 | 4.0 | 87% |
| LoanDepot | Up to $3M | 3.25%-6.75% | 15-30 years | 4.5 | 4.0 | 4.0 | 86% |
| Guaranteed Rate | Up to $2.5M | 3.15%-6.50% | 10-30 years | 4.0 | 4.5 | 4.0 | 85% |
| Union Bank | Up to $1.5M | 3.40%-6.80% | 15-30 years | 3.5 | 4.0 | 4.5 | 84% |
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