--- title: Multifamily Lenders in Vermont: 20 Made Loans in 2024-25 url: https://lender.report/multifamily-lenders/vermont/ license: https://lender.report/license/ --- Multifamily ยท VT # Multifamily lenders in Vermont 20 lenders made at least one multifamily loan in Vermont in 2024 or 2025. Community National Bank made the most in 2025, with 26 of the 132 on record. **Evidence** Lender made at least one multifamily loan in Vermont in 2024 or 2025 (HMDA, manufactured-home parks excluded) **Data as of** HMDA 2025 **Page last changed** November 11, 2026 **Lenders on record** 20 HMDA, 2025 **Multifamily loans, 2025** 132 HMDA, 2025 Manufactured-home parks excluded **Dollars, 2025** $207M HMDA, 2025 **Loans, 2024** 108 HMDA, 2024 +22.2% in 2025 Cite this Source: The Lender Report, Multifamily lenders in Vermont, https://lender.report/multifamily-lenders/vermont/, data as of December 31, 2025. ## 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 multifamily loans in Vermont](https://lender.report/comps/?lane=multifamily&state=VT)[On this list? Find your page](https://lender.report/for-lenders/?from=market) | Lender | Kind | Based in | 2025 loans | 2025 dollars | 2024 loans | | --- | --- | --- | --- | --- | --- | | [Community National Bank](https://lender.report/lender/community-national-bank-vt/) [multifamily record](https://lender.report/lender/community-national-bank-vt/multifamily/) | Bank | Derby, VT | 26 | $12.8M | 24 | | [Eastrise Credit Union](https://lender.report/lender/eastrise-credit-union-vt/) [multifamily record](https://lender.report/lender/eastrise-credit-union-vt/multifamily/) | Credit union | Williston, VT | 22 | $14.2M | 16 | | [Mascoma Bank](https://lender.report/lender/mascoma-bank-nh/) [multifamily record](https://lender.report/lender/mascoma-bank-nh/multifamily/) | Bank | Lebanon, NH | 16 | $39.3M | 4 | | [Northfield Savings Bank](https://lender.report/lender/northfield-savings-bank-vt/) [multifamily record](https://lender.report/lender/northfield-savings-bank-vt/multifamily/) | Savings | Northfield, VT | 13 | $27.4M | 14 | | [Peoples Trust Company of St. Albans](https://lender.report/lender/peoples-trust-company-of-st-albans-vt/) [multifamily record](https://lender.report/lender/peoples-trust-company-of-st-albans-vt/multifamily/) | Bank | Saint Albans, VT | 11 | $9.74M | 3 | | [North Country Credit Union](https://lender.report/lender/north-country-credit-union-vt/) [multifamily record](https://lender.report/lender/north-country-credit-union-vt/multifamily/) | Credit union | Burlington, VT | 9 | $15.2M | 8 | | [Community Bank, National Association](https://lender.report/lender/community-bank-ny/) [multifamily record](https://lender.report/lender/community-bank-ny/multifamily/) | Bank | Canton, NY | 8 | $13.8M | 6 | | [TD Bank, National Association](https://lender.report/lender/td-bank-de/) [multifamily record](https://lender.report/lender/td-bank-de/multifamily/) | Bank | Wilmington, DE | 6 | $36.4M | 2 | | [Vermont Credit Union](https://lender.report/lender/vermont-credit-union-vt/) [multifamily record](https://lender.report/lender/vermont-credit-union-vt/multifamily/) | Credit union | So Burlington, VT | 5 | $2.56M | 8 | | [Union Bank](https://lender.report/lender/union-bank-vt/) [multifamily record](https://lender.report/lender/union-bank-vt/multifamily/) | Bank | Morrisville, VT | 4 | $1.40M | 5 | | [Bar Harbor Bank & Trust](https://lender.report/lender/bar-harbor-bank-and-trust-me/) [multifamily record](https://lender.report/lender/bar-harbor-bank-and-trust-me/multifamily/) | Bank | Bar Harbor, ME | 4 | $5.00M | 1 | | [NBT Bank, National Association](https://lender.report/lender/nbt-bank-ny/) [multifamily record](https://lender.report/lender/nbt-bank-ny/multifamily/) | Bank | Norwich, NY | 2 | $1.20M | 5 | | [Manufacturers and Traders Trust Company](https://lender.report/lender/manufacturers-and-traders-trust-ny/) [multifamily record](https://lender.report/lender/manufacturers-and-traders-trust-ny/multifamily/) | Bank | Buffalo, NY | 2 | $16.0M | 4 | | [Monson Savings Bank](https://lender.report/lender/monson-savings-bank-ma/) [multifamily record](https://lender.report/lender/monson-savings-bank-ma/multifamily/) | Savings | Monson, MA | 2 | $1.70M | 0 | | [The National Bank of Middlebury](https://lender.report/lender/national-bank-of-middlebury-vt/) | Bank | Middlebury, VT | 1 | $45.0K | 3 | | [Berkadia Commercial Mortgage](https://lender.report/lender/berkadia-commercial-mortgage-pa/) [multifamily record](https://lender.report/lender/berkadia-commercial-mortgage-pa/multifamily/) | Non-bank | Ambler, PA | 1 | $11.0M | 0 | | [Green Mountain Credit Union](https://lender.report/lender/green-mountain-credit-union-vt/) | Credit union | South Burlington, VT | Not reported | Not reported | 2 | | [Citadel Servicing Corporation](https://lender.report/lender/citadel-servicing-ca/) [multifamily record](https://lender.report/lender/citadel-servicing-ca/multifamily/) | Non-bank | Irvine, CA | 0 | $0 | 1 | | [Fieldpoint Private Bank & Trust](https://lender.report/lender/fieldpoint-private-bank-and-trust-ct/) | Bank | Greenwich, CT | Not reported | Not reported | 1 | | [M&T Realty Capital Corporation](https://lender.report/lender/m-and-t-realty-capital-ny/) [multifamily record](https://lender.report/lender/m-and-t-realty-capital-ny/multifamily/) | Non-bank | Buffalo, NY | 0 | $0 | 1 | HMDA, 2025 - Lenders made 132 multifamily loans totaling $207.5M in Vermont in 2025, up from 108 loans totaling $215.7M in 2024. HMDA, 2025 - Banks and savings institutions made 95 of the 2025 loans, credit unions 36, and non-banks 1. HMDA, 2025 - The five most active lenders made 66.7% of Vermont's multifamily loans in 2025. HMDA, 2025 - Mascoma Bank made the most multifamily dollars in Vermont in 2025, at $39.3M. HMDA, 2025 - 9 of these lenders are based in Vermont. HMDA, 2025 - 2 lenders made a loan in Vermont in 2025 and none in 2024. HMDA, 2025 - 5 lenders made 10 or more loans in Vermont in 2025. HMDA, 2025 - The typical multifamily loan in Vermont was about $480K, with the middle half between $260K and $1.3M. HMDA, 2025 - Lenders reported a median rate of 6.91% on 218 loans in Vermont, with the middle half between 6.47% and 7.22%. HMDA, 2025 - The median term in Vermont was 15 years. HMDA, 2025 - 29% of multifamily loans in Vermont were refinancings. HMDA, 2025 - Most recorded loans in Vermont were in Chittenden County, VT (77), Rutland County, VT (33), Washington County, VT (31). HMDA, 2025 ## How this list is defined **Measure** Multifamily loans made in Vermont **Period** 2024 and 2025 **Formula** Count, by lender, of HMDA records for multifamily dwellings of 5 or more units placed in Vermont, manufactured-home parks excluded. A lender is listed if it made at least one. **Order** Largest first by loans made in 2025, then loans in 2024, then dollars in 2025, then name. Payment is not part of the order. **As of** 2025 **Source** [HMDA](https://ffiec.cfpb.gov/data-browser/) **Data** [JSON version of this list](https://lender.report/rankings/multifamily-lenders-by-state.json) **Changelog** November 12, 2026: First published, with the data built on this date. Is your institution on this list? [Show your rank](https://lender.report/for-lenders/badge/). It carries the date and links back to this page. Multifamily loans finance buildings with five or more homes. HMDA is the one public file that lists them loan by loan. HMDA covers dwelling-secured loans. Amounts are the midpoints of $10,000 bands, and each loan has a year, never a date. Each lender is counted only where the public file places the loan. 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.