County · VT
Multifamily lenders in Chittenden County, VT
12 lenders made 77 multifamily loans in Chittenden County, VT in 2024 and 2025, $285.4M in all. Northfield Savings Bank made the most, with 14. The typical loan was about $1.3M. The county is part of the Burlington, VT metro area.
- Evidence
- Multifamily loans placed in the county, HMDA
- Data as of
- HMDA 2025
- Page last changed
- November 11, 2026
- Lenders on record
- 12
- HMDA,
- Multifamily loans, 2024-25
- 77
- HMDA,
- Manufactured-home parks excluded
- Dollars
- $285M
- HMDA,
- Typical loan
- $1.3M
- HMDA,
Cite this
Source: The Lender Report, Multifamily lenders in Chittenden County, VT, https://lender.report/lenders-in/vermont/chittenden-county/, data as of December 31, 2025.
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| Lender | Kind | Based in | Loans | Dollars | 2025 loans | 2024 loans | Typical loan |
|---|---|---|---|---|---|---|---|
| Northfield Savings Bank multifamily record | Savings | Northfield, VT | 14 | $36.1M | 9 | 5 | $900K |
| Community Bank, National Association multifamily record | Bank | Canton, NY | 12 | $59.1M | 7 | 5 | $2M |
| Mascoma Bank multifamily record | Bank | Lebanon, NH | 10 | $42.1M | 8 | 2 | $2M |
| Vermont Credit Union multifamily record | Credit union | So Burlington, VT | 8 | $12.7M | 4 | 4 | $800K |
| Eastrise Credit Union multifamily record | Credit union | Williston, VT | 8 | $12.3M | 3 | 5 | $1.6M |
| TD Bank, National Association multifamily record | Bank | Wilmington, DE | 6 | $36.9M | 6 | 0 | $7.5M |
| North Country Credit Union multifamily record | Credit union | Burlington, VT | 5 | $10.1M | 3 | 2 | $800K |
| Manufacturers and Traders Trust Company multifamily record | Bank | Buffalo, NY | 4 | $43.9M | 1 | 3 | $13M |
| Community National Bank multifamily record | Bank | Derby, VT | 3 | $19.1M | 0 | 3 | $7M |
| NBT Bank, National Association multifamily record | Bank | Norwich, NY | 3 | $9.10M | 1 | 2 | $840K |
| Peoples Trust Company of St. Albans multifamily record | Bank | Saint Albans, VT | 3 | $2.90M | 3 | 0 | $880K |
| Union Bank multifamily record | Bank | Morrisville, VT | 1 | $900K | 0 | 1 | $900K |
| Loan size | Loans | Lenders |
|---|---|---|
| Under $1M | 34 | 10 |
| $1M to $2.5M | 17 | 6 |
| $2.5M to $5M | 4 | 4 |
| $5M to $10M | 12 | 9 |
| $10M or more | 10 | 5 |
- Lenders made 77 multifamily loans totaling $285.4M in Chittenden County, VT in 2024 and 2025. HMDA,
- 45 of the loans were made in 2025 and 32 in 2024. HMDA,
- The typical loan in Chittenden County, VT was about $1.3M, with the middle half between $760K and $6.1M. HMDA,
- 34 of the loans were under $1M, and 22 were $5M or more. HMDA,
- Lenders reported a median rate of 6.50% on 74 loans in Chittenden County, VT, with the middle half between 6.21% and 6.99%. HMDA,
- The median term was 10 years. HMDA,
- The median loan to value was 69%. HMDA,
- 26% of the loans were refinancings and 57% were purchases. HMDA,
- Banks and savings institutions made 56 of the loans, credit unions 21, and non-banks 0. HMDA,
- The five most active lenders made 67.5% of the loans. HMDA,
- The three most active lenders were Northfield Savings Bank with 14, Community Bank, National Association with 12, and Mascoma Bank with 10. HMDA,
- 7 of the 12 lenders are based in Vermont. The rest are based elsewhere, most often in New York, Delaware and New Hampshire. HMDA,
- The most common property size was 5 to 24 units, with 48 loans. HMDA,
- Chittenden County, VT is part of the Burlington-South Burlington, VT metro area, which has its own page. OMB metro list,
How this list is defined
- Measure
- Multifamily loans made in Chittenden County, VT
- Period
- 2024 and 2025
- Formula
- Count, by lender, of HMDA records for multifamily dwellings of 5 or more units placed in the county, manufactured-home parks excluded, for each year in which the public file holds 5 or more such loans in the county.
- Order
- Largest first by loans recorded in the place, then dollars, then name. Payment is not part of the order.
- As of
- 2025
- Source
- HMDA
- Changelog
- : First published, with the data built on this date.
What we don't know
- Whether any of these lenders is taking new loans today.
- What they charge or require beyond the rate and term that HMDA reports.
- Loans on office, retail, industrial or hotel property. HMDA covers dwelling-secured loans only.
A metro area or county is named for a year only when the public file holds 5 or more multifamily loans there that year, so a small place is never exposed by a count.
SBA loans are on record by state only, so this page has no SBA figures for the county. The state pages carry them.
HMDA covers dwelling-secured loans. Amounts are the midpoints of $10,000 bands, and each loan has a year, never a date.
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
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.