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Safe Rate's TrueRank Guarantee
Our rankings are earned, not bought. We analyze 2,347 lenders using federal HMDA data—no pay-to-play, no cherry-picking. You see the best options based on performance metrics, not advertising dollars.
Best Mortgage Lenders in Vermont
Updated February 6, 2026
Market Overview
61
Total Lenders
5,514
Total Loans
0.31%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | VERMONT FEDERAL CREDIT UNION | Exceptional | Exceptional | Strong | Exceptional | $1,225 | -0.209% | 211 | |
2 | Northfield Savings Bank | Exceptional | Exceptional | Strong | Exceptional | $819 | -0.099% | 166 | |
3 | NEW ENGLAND | Exceptional | Strong | Strong | Exceptional | $1,431 | -0.132% | 750 | |
4 | Morgan Stanley Private Bank, National Association | Exceptional | Exceptional | Strong | Sound | $276 | -0.378% | 35 | |
5 | Manufacturers and Traders Trust Company | Strong | Strong | Strong | Strong | $897 | +0.199% | 86 | |
6 | NAVY FEDERAL CREDIT UNION | Strong | Exceptional | Sound | Sound | $509 | -0.431% | 51 | |
7 | Citibank, National Association | Strong | Exceptional | Sound | Sound | $1,491 | -0.171% | 21 | |
8 | NORTHEAST HOME LOAN, LLC | Strong | Sound | Strong | Exceptional | $1,504 | +0.200% | 433 | |
9 | Union Bank | Strong | Sound | Strong | Exceptional | $2,096 | +0.223% | 338 | |
10 | Mascoma Bank | Strong | Sound | Strong | Exceptional | $1,436 | +0.365% | 224 | |
11 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Strong | $2,303 | +0.336% | 81 | |
12 | Advisors Mortgage Group, L.L.C. | Strong | Sound | Exceptional | Strong | $2,224 | +0.505% | 72 | |
13 | Citizens Bank, National Association | Strong | Strong | Strong | Sound | $824 | +0.332% | 43 | |
14 | Bank of America, National Association | Strong | Strong | Strong | Sound | $918 | +0.122% | 37 | |
15 | U.S. Bank National Association | Strong | Strong | Strong | Sound | -$250 | -0.007% | 22 | |
16 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $4,223 | +0.398% | 509 | |
17 | Community Bank, National Association | Strong | Sound | Strong | Strong | $408 | +0.533% | 147 | |
18 | Community National Bank | Strong | Strong | Acceptable | Strong | $1,140 | -0.061% | 95 | |
19 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Sound | $4,000 | +0.281% | 30 | |
20 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Sound | $2,185 | +0.234% | 29 | |
21 | EMM LOANS LLC | Strong | Acceptable | Strong | Exceptional | $1,401 | +0.314% | 431 | |
22 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $2,071 | +0.335% | 295 | |
23 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $3,260 | +0.575% | 111 | |
24 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | $4,396 | +0.375% | 95 | |
25 | NORTH COUNTRY | Strong | Strong | Mediocre | Strong | $1,235 | +0.429% | 72 | |
26 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Sound | $3,184 | +0.312% | 51 | |
27 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Sound | $3,172 | +0.495% | 41 | |
28 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Sound | $2,360 | +0.454% | 35 | |
29 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | $3,837 | +0.810% | 34 | |
30 | AMERANT MORTGAGE, LLC | Strong | Sound | Strong | Sound | $762 | +0.321% | 32 | |
31 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Sound | $2,710 | -0.094% | 32 | |
32 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Strong | $2,567 | +0.585% | 98 | |
33 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Sound | $3,445 | +0.476% | 56 | |
34 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Sound | $3,027 | +0.342% | 40 | |
35 | TD Bank, National Association | Strong | Sound | Sound | Sound | $920 | +0.371% | 36 | |
36 | USAA Federal Savings Bank | Strong | Sound | Sound | Sound | $2,014 | -0.006% | 35 | |
37 | Bar Harbor Bank & Trust | Strong | Sound | Sound | Sound | $1,929 | +0.346% | 22 | |
38 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Sound | Sound | $747 | +0.080% | 20 | |
39 | NATIONSTAR MORTGAGE LLC | Sound | Acceptable | Strong | Sound | $5,288 | +0.854% | 40 | |
40 | CROSSCOUNTRY MORTGAGE, LLC | Sound | Acceptable | Strong | Sound | $2,995 | +0.775% | 31 | |
41 | Luminate Home Loans, Inc. | Sound | Mediocre | Strong | Strong | $2,701 | +0.760% | 114 | |
42 | NEW AMERICAN FUNDING, LLC | Sound | Acceptable | Sound | Sound | $3,121 | +0.499% | 36 | |
43 | NEWREZ LLC | Sound | Acceptable | Sound | Sound | $4,167 | +0.750% | 26 |
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Place
Local market expertise (33%)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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