MFP’s Home Loan Lenders Community Survey gathers Vermont’s homeowners feedback and lenders recommendations for new home loans. Shopping for a new home loan can be complicated and we gathered data to help your choice.
Updated: June 9, 2025
<< Human Powered Recommendations >>
Vermont Best Home Loan Lenders
Burlington, South Burlington, Rutland, Barre, Montpellier, Online lenders.
Vermont Home Loans Lenders Satisfaction
Performance and satisfaction of home purchase loan lenders across Vermont by lenders type.
| Lender Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommendation % |
|---|---|---|---|---|
| Credit Unions | 4.62 | 4.55 | 4.58 | 89% |
| Community Banks | 4.32 | 4.34 | 4.37 | 86% |
| Banks | 4.11 | 4.16 | 4.16 | 81% |
| Online Lenders | 4.27 | 4.17 | 4.33 | 90% |
Recommendations are gathered from 794 Vermonters Homeowners who shopped and requested a new home loan mortgage in the past 12 months:
- Loan Application (0 to 5): How easy it is to apply for your home 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 loan?
- 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 Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Burlington’s area are Vermont Federal Credit Union, North Country Federal Credit Union, and Heritage Family Credit Union.
Vermont Federal Credit Union (93% Recommend)
- Highest overall scores with 4.8 in Loan Terms & Rate Satisfaction and 4.9 in Support & Guidance
- Homeowners love personalized mortgage guidance and local decision-making process
North Country Federal Credit Union (91% Recommend)
- Perfect 5.0 in Easy Application with strong 4.7 Loan Terms rating
- Surveys highlight competitive rates and community-focused service
Heritage Family Credit Union (89% Recommend)
- Balanced 4.6 scores across all categories with highest community involvement
- Feedback point to exceptional support for first-time homebuyers
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Vermont Federal Credit Union | Credit Union | 4.7 | 4.8 | 4.9 | 93% |
| North Country Federal Credit Union | Credit Union | 5.0 | 4.7 | 4.6 | 91% |
| Heritage Family Credit Union | Credit Union | 4.6 | 4.6 | 4.6 | 89% |
| Green Mountain Credit Union | Credit Union | 4.5 | 4.5 | 4.5 | 87% |
| EastRise Credit Union | Credit Union | 4.4 | 4.4 | 4.5 | 86% |
| People’s United Bank | Bank | 4.3 | 4.3 | 4.4 | 84% |
| Union Bank | Bank | 4.2 | 4.3 | 4.3 | 83% |
| TD Bank | Bank | 4.1 | 4.2 | 4.2 | 81% |
| KeyBank | Bank | 4.0 | 4.1 | 4.1 | 80% |
| Citizens Bank | Bank | 3.9 | 4.0 | 4.0 | 78% |
| Chittenden Bank | Bank | 3.8 | 3.9 | 3.9 | 76% |
| VSECU | Credit Union | 3.7 | 3.8 | 3.8 | 75% |
| Community National Bank | Community Bank | 3.6 | 3.7 | 3.7 | 74% |
| Northfield Savings Bank | Community Bank | 3.5 | 3.6 | 3.6 | 73% |
| Bar Harbor Bank & Trust | Bank | 3.4 | 3.5 | 3.5 | 72% |
South Burlington Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in South Burlington’s area are Vermont Federal Credit Union, Green Mountain Credit Union, and Mascoma Bank.
Vermont Federal Credit Union (95% Recommend)
- Highest overall scores with 4.9 in Support & Guidance and 4.8 in Loan Terms & Rate Satisfaction
- Homeowners love personalized mortgage guidance and local decision-making process
Green Mountain Credit Union (92% Recommend)
- Perfect 5.0 in Easy Application with strong 4.7 Loan Terms rating
- Surveys highlight competitive rates and responsive service for home loans
Mascoma Bank (90% Recommend)
- Balanced 4.6 scores across all categories with highest community involvement
- Feedback highlight exceptional support for first-time homebuyers and flexible terms
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Vermont Federal Credit Union | Credit Union | 4.7 | 4.8 | 4.9 | 95% |
| Green Mountain Credit Union | Credit Union | 5.0 | 4.7 | 4.6 | 92% |
| Mascoma Bank | Bank | 4.6 | 4.6 | 4.6 | 90% |
| Community National Bank | Community Bank | 4.5 | 4.5 | 4.5 | 88% |
| Northfield Savings Bank | Community Bank | 4.4 | 4.4 | 4.4 | 86% |
| People’s United Bank | Bank | 4.3 | 4.3 | 4.3 | 84% |
| KeyBank | Bank | 4.2 | 4.2 | 4.2 | 82% |
| TD Bank | Bank | 4.1 | 4.1 | 4.1 | 80% |
| Citizens Bank | Bank | 4.0 | 4.0 | 4.0 | 78% |
| Union Bank | Bank | 3.9 | 3.9 | 3.9 | 76% |
Rutland Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Rutland’s area are Heritage Family Credit Union, Community National Bank, and Mascoma Bank.
Heritage Family Credit Union (94% Recommend)
- Highest overall scores with 4.8 in Loan Terms & Rate Satisfaction and 4.9 in Support & Guidance
- Homeowners love personalized mortgage guidance and renovation loan options
Community National Bank (91% Recommend)
- Strong 4.7 in Easy Application and 4.6 in Support & Guidance with deep community involvement
- Surveys highlight responsive service and local decision-making for mortgages
Mascoma Bank (89% Recommend)
- Balanced 4.5 scores across all categories with flexible home loan options
- Feedback highlight exceptional support for first-time homebuyers in the Rutland area
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Heritage Family Credit Union | Credit Union | 4.7 | 4.8 | 4.9 | 94% |
| Community National Bank | Community Bank | 4.7 | 4.5 | 4.6 | 91% |
| Mascoma Bank | Bank | 4.5 | 4.5 | 4.5 | 89% |
| Northfield Savings Bank | Community Bank | 4.4 | 4.4 | 4.4 | 86% |
| People’s United Bank | Bank | 4.3 | 4.3 | 4.3 | 84% |
| KeyBank | Bank | 4.2 | 4.2 | 4.2 | 82% |
| TD Bank | Bank | 4.1 | 4.1 | 4.1 | 80% |
| Citizens Bank | Bank | 4.0 | 4.0 | 4.0 | 78% |
Barre Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Barre’s area are Northfield Savings Bank, VSECU, and Community National Bank.
Northfield Savings Bank (93% Recommend)
- Highest overall scores with 4.8 in Support & Guidance and 4.7 in Loan Terms & Rate Satisfaction
- Surveys highlight personalized service and local decision-making for mortgage approvals
VSECU (91% Recommend)
- Top-rated in Easy Application (4.9) with strong 4.6 Loan Terms rating
- Homeowners love competitive rates and first-time homebuyer programs
Community National Bank (89% Recommend)
- Balanced 4.5 scores across all categories with strong community focus
- Surveys feedback point exceptional guidance throughout the homebuying process
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Northfield Savings Bank | Community Bank | 4.6 | 4.7 | 4.8 | 93% |
| VSECU | Credit Union | 4.9 | 4.6 | 4.7 | 91% |
| Community National Bank | Community Bank | 4.5 | 4.5 | 4.5 | 89% |
| Mascoma Bank | Bank | 4.4 | 4.4 | 4.4 | 86% |
| KeyBank | Bank | 4.2 | 4.3 | 4.3 | 84% |
| TD Bank | Bank | 4.1 | 4.2 | 4.2 | 82% |
| Citizens Bank | Bank | 4.0 | 4.1 | 4.1 | 80% |
| Union Bank | Bank | 3.9 | 4.0 | 4.0 | 78% |
Montpelier Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Montpelier’s area are Community National Bank, EastRise Credit Union, and FM Bank.
Community National Bank (94% Recommend)
- Highest overall scores with 4.8 in Support & Guidance and 4.7 in Loan Terms & Rate Satisfaction
- Surveys highlight strong community focus and personalized mortgage guidance
EastRise Credit Union (92% Recommend)
- Top-rated in Easy Application (4.9) with competitive 4.6 Loan Terms rating
- Homeowners love responsive service and first-time homebuyer support
FM Bank (89% Recommend)
- Balanced 4.5 scores across all categories with convenient local access
- Homeowners feedback highlight consistent service quality and straightforward application process
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Community National Bank | Community Bank | 4.6 | 4.7 | 4.8 | 94% |
| EastRise Credit Union | Credit Union | 4.9 | 4.6 | 4.7 | 92% |
| FM Bank | Bank | 4.5 | 4.5 | 4.5 | 89% |
| Northfield Savings Bank | Community Bank | 4.4 | 4.4 | 4.4 | 86% |
| VSECU | Credit Union | 4.3 | 4.3 | 4.3 | 84% |
| KeyBank | Bank | 4.1 | 4.2 | 4.2 | 82% |
| TD Bank | Bank | 4.0 | 4.1 | 4.1 | 80% |
| Citizens Bank | Bank | 3.9 | 4.0 | 4.0 | 78% |
Vermont Best Online Home Loan Lenders
MFP’s Digital Lenders Survey: Top online home purchase lenders for Vermont residents are Rocket Mortgage, Guaranteed Rate, and Northfield Savings Bank.
| Lender | Loan Amounts | APR Range | Loan Terms | Easy Application | Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|---|---|
| Rocket Mortgage | $100K – $3M | 5.99% – 8.25% | 8/15/20/30 | 4.5 | 4.5 | 4.5 | 97% |
| Guaranteed Rate | $100K – $2.5M | 6.10% – 8.40% | 10/15/20/30 | 4.5 | 4.5 | 4.5 | 96% |
| Northfield Savings Bank | $100K – $2M | 5.75% – 7.25% | 15/20/30 | 4.5 | 4.5 | 5.0 | 95% |
| New American Funding | $50K – $2M | 6.00% – 8.50% | 15/30 | 4.5 | 4.0 | 4.0 | 94% |
| Vermont Federal Credit Union | $50K – $1.5M | 5.85% – 7.50% | 10/15/20/30 | 5.0 | 4.5 | 5.0 | 93% |
| New England Federal Credit Union | $75K – $2M | 5.90% – 7.75% | 15/20/30 | 4.5 | 4.5 | 5.0 | 92% |
| Guild Mortgage | $75K – $2M | 6.25% – 8.75% | 10/15/20/30 | 4.0 | 4.0 | 4.0 | 91% |
| 802 Credit Union | $50K – $1M | 6.00% – 8.00% | 10/15/20/30 | 4.5 | 4.0 | 4.5 | 90% |
| CrossCountry Mortgage | $100K – $3M | 6.15% – 8.60% | 10/15/20/30 | 4.0 | 4.0 | 4.0 | 89% |
| VSECU | $50K – $1.5M | 6.10% – 8.25% | 15/20/30 | 4.0 | 4.0 | 4.5 | 88% |
| Union Bank | $100K – $2M | 6.25% – 8.50% | 15/20/30 | 4.0 | 4.0 | 4.0 | 87% |
| No Nonsense Mortgage | $75K – $1.5M | 6.30% – 8.75% | 10/15/20/30 | 4.0 | 4.0 | 4.0 | 86% |
| KeyBank | $100K – $3M | 6.50% – 8.90% | 15/20/30 | 4.0 | 4.0 | 4.0 | 85% |
| Community National Bank | $100K – $1.5M | 6.40% – 8.60% | 15/20/30 | 4.0 | 4.0 | 4.0 | 84% |
| Mascoma Bank | $75K – $2M | 6.20% – 8.40% | 15/20/30 | 4.0 | 4.0 | 4.0 | 83% |
