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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 Bank Mortgage Lenders in Vermont
Updated February 6, 2026
Market Overview
16
Total Lenders
1,465
Total Loans
0.17%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | Northfield Savings Bank | Exceptional | Exceptional | Strong | Exceptional | $819 | -0.099% | 166 | |
2 | Morgan Stanley Private Bank, National Association | Exceptional | Exceptional | Strong | Sound | $276 | -0.378% | 35 | |
3 | Manufacturers and Traders Trust Company | Strong | Strong | Strong | Strong | $897 | +0.199% | 86 | |
4 | Citibank, National Association | Strong | Exceptional | Sound | Sound | $1,491 | -0.171% | 21 | |
5 | Union Bank | Strong | Sound | Strong | Exceptional | $2,096 | +0.223% | 338 | |
6 | Mascoma Bank | Strong | Sound | Strong | Exceptional | $1,436 | +0.365% | 224 | |
7 | Citizens Bank, National Association | Strong | Strong | Strong | Sound | $824 | +0.332% | 43 | |
8 | Bank of America, National Association | Strong | Strong | Strong | Sound | $918 | +0.122% | 37 | |
9 | U.S. Bank National Association | Strong | Strong | Strong | Sound | -$250 | -0.007% | 22 | |
10 | Community Bank, National Association | Strong | Sound | Strong | Strong | $408 | +0.533% | 147 | |
11 | Community National Bank | Strong | Strong | Acceptable | Strong | $1,140 | -0.061% | 95 | |
12 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Sound | $2,185 | +0.234% | 29 | |
13 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Sound | $3,184 | +0.312% | 51 | |
14 | TD Bank, National Association | Strong | Sound | Sound | Sound | $920 | +0.371% | 36 | |
15 | USAA Federal Savings Bank | Strong | Sound | Sound | Sound | $2,014 | -0.006% | 35 | |
16 | Bar Harbor Bank & Trust | Strong | Sound | Sound | Sound | $1,929 | +0.346% | 22 |
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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