--- title: Construction Lenders in Vermont: 28 Hold These Loans url: https://lender.report/construction-lenders/vermont/ license: https://lender.report/license/ --- Construction ยท VT # Construction lenders in Vermont 28 lenders with an office in Vermont hold construction and land loans on their books. Union Bank, based in Vermont, holds the largest book among those based here, at $99.3M. **Evidence** Lender holds construction and land loans on its books at the latest filing and has an office in Vermont **Data as of** June 30, 2026 **Page last changed** November 11, 2026 **Lenders with an office here** 28 FDIC call report, Jun 30, 2026 **Based here** 16 FDIC call report, Jun 30, 2026 **Held by those based here** $380M FDIC call report, Jun 30, 2026 -0.4% from a year earlier **Median book, based here** $9.65M FDIC call report, Jun 30, 2026 Cite this Source: The Lender Report, Construction lenders in Vermont, https://lender.report/construction-lenders/vermont/, data as of June 30, 2026. ## Describe a deal in Vermont See which of these lenders made loans like yours, at your size and in your place. No account and no form. [Show construction loans in Vermont](https://lender.report/comps/?lane=construction&state=VT)[On this list? Find your page](https://lender.report/for-lenders/?from=market) | Lender | Kind | Based in | Offices here | Holds | Growth, 12 months | | --- | --- | --- | --- | --- | --- | | [Union Bank](https://lender.report/lender/union-bank-vt/) | Bank | Morrisville, VT | 15 | $99.3M | | | [Ledyard National Bank](https://lender.report/lender/ledyard-national-bank-vt/) | Bank | Norwich, VT | 1 | $74.3M | | | [Northfield Savings Bank](https://lender.report/lender/northfield-savings-bank-vt/) | Savings | Northfield, VT | 13 | $51.5M | +44.4% | | [Community National Bank](https://lender.report/lender/community-national-bank-vt/) | Bank | Derby, VT | 12 | $48.6M | | | [Eastrise Credit Union](https://lender.report/lender/eastrise-credit-union-vt/) | Credit union | Williston, VT | 18 | $27.1M | +69.9% | | [Business Bank, The](https://lender.report/lender/business-bank-the-vt/) | Bank | S Burlington, VT | 1 | $18.9M | +144.7% | | [Passumpsic Savings Bank](https://lender.report/lender/passumpsic-savings-bank-vt/) | Savings | Saint Johnsbury, VT | 8 | $11.0M | +196.7% | | [The National Bank of Middlebury](https://lender.report/lender/national-bank-of-middlebury-vt/) | Bank | Middlebury, VT | 7 | $9.65M | | | [Peoples Trust Company of St. Albans](https://lender.report/lender/peoples-trust-company-of-st-albans-vt/) | Bank | Saint Albans, VT | 5 | $9.39M | | | [Heritage Family Credit Union](https://lender.report/lender/heritage-family-credit-union-vt/) | Credit union | Rutland, VT | 11 | $8.37M | | | [The Bank of Bennington](https://lender.report/lender/bank-of-bennington-vt/) | Savings | Bennington, VT | 5 | $4.72M | | | [Vermont Credit Union](https://lender.report/lender/vermont-credit-union-vt/) | Credit union | So Burlington, VT | 9 | $4.02M | +116.6% | | [Green Mountain Credit Union](https://lender.report/lender/green-mountain-credit-union-vt/) | Credit union | South Burlington, VT | 5 | $3.70M | +34.2% | | [The First National Bank of Orwell](https://lender.report/lender/first-national-bank-of-orwell-vt/) | Bank | Orwell, VT | 2 | $3.66M | | | [Wells River Savings Bank](https://lender.report/lender/wells-river-savings-bank-vt/) | Savings | Wells River, VT | 6 | $3.55M | +101.3% | | [The Brattleboro Savings and Loan Association](https://lender.report/lender/brattleboro-savings-and-loan-association-vt/) | Bank | Brattleboro, VT | 5 | $2.86M | | FDIC call report, Jun 30, 2026 [See all 28 construction lenders in Vermont in Loan Comps](https://lender.report/comps/?lane=construction&state=VT) | Lender | Kind | Based in | Offices here | Holds, nationwide | | --- | --- | --- | --- | --- | | [JPMorgan Chase Bank, National Association](https://lender.report/lender/jpmorgan-chase-bank-oh/) | Bank | Columbus, OH | 3 | $18.8B | | [Citizens Bank, National Association](https://lender.report/lender/citizens-bank-ri/) | Bank | Providence, RI | 10 | $4.75B | | [TD Bank, National Association](https://lender.report/lender/td-bank-de/) | Bank | Wilmington, DE | 18 | $4.31B | | [Manufacturers and Traders Trust Company](https://lender.report/lender/manufacturers-and-traders-trust-ny/) | Bank | Buffalo, NY | 33 | $3.35B | | [KeyBank National Association](https://lender.report/lender/keybank-oh/) | Bank | Cleveland, OH | 10 | $2.90B | | [NBT Bank, National Association](https://lender.report/lender/nbt-bank-ny/) | Bank | Norwich, NY | 4 | $476M | | [Beacon Bank and Trust](https://lender.report/lender/beacon-bank-and-trust-ma/) | Bank | Boston, MA | 5 | $379M | | [Community Bank, National Association](https://lender.report/lender/community-bank-ny/) | Bank | Canton, NY | 29 | $355M | | [Bar Harbor Bank & Trust](https://lender.report/lender/bar-harbor-bank-and-trust-me/) | Bank | Bar Harbor, ME | 11 | $275M | | [Mascoma Bank](https://lender.report/lender/mascoma-bank-nh/) | Bank | Lebanon, NH | 13 | $131M | FDIC call report, Jun 30, 2026 - 16 of these lenders are based in Vermont, and 12 are based elsewhere with offices here. FDIC call report, Jun 30, 2026 - These lenders: 18 banks, 6 savings institutions and 4 credit unions. FDIC call report, Jun 30, 2026 - Lenders based in Vermont hold $380.5M of construction and land loans, down 0.4% from a year earlier. FDIC call report, Jun 30, 2026 - The five largest books based here hold 79.0% of that total. FDIC call report, Jun 30, 2026 - Union Bank holds $99.3M, and Ledyard National Bank holds $74.3M. FDIC call report, Jun 30, 2026 - The median book among lenders based in Vermont is $9.7M. FDIC call report, Jun 30, 2026 - 7 lenders based here grew this book by 10% or more in the year to June 30, 2026. FDIC call report, Jun 30, 2026 - These lenders list 261 offices in Vermont. FDIC office list, Oct 28, 2026 - Manufacturers and Traders Trust Company, based in New York, lists the most offices here among out-of-state lenders, at 33. FDIC office list, Oct 28, 2026 - Among credit unions here, the median average loan in this category is $2.1M. NCUA 5300, Jun 30, 2026 - Business Bank, The grew this book the most in the year, up 144.7% to $18.9M. FDIC call report, Jun 30, 2026 ## How this list is defined **Measure** construction and land loans held by lenders with an office in Vermont **Period** June 30, 2026 **Formula** The balance of construction and land loans on the lender's June 30, 2026 filing, for a lender with an office in Vermont. A balance held, not loans made. **Order** Largest first by the book held at the latest filing, then name. Payment is not part of the order. **As of** June 30, 2026 **Source** [FDIC call report](https://api.fdic.gov/banks/financials) **Changelog** November 12, 2026: First published, with the data built on this date. Construction and land development loans finance building and site work, for homes and for commercial projects. Banks report them in one balance. Call reports give one balance per institution, not by state, and they carry balances, not loans made. The figure shown is the whole institution's book. Growth appears only where a book grew over the 12 months. Each lender's own page has its full record. A lender counts here if it holds construction and land loans on its books at the latest filing and has an office in Vermont. Lenders that merged or stopped filing are left out. Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. [Report a problem](https://lender.report/report/) Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.