Top 3 Mortgage Lenders in Derby

Community National Bank is Derby's premier local mortgage lender with deep roots in Vermont's Northeast Kingdom. As the only brick-and-mortar bank headquartered directly in Derby, they offer personalized service and local decision-making that larger institutions can't match. Their mortgage team has extensive experience with rural properties and USDA loans, which are particularly relevant for Derby's market. Customers consistently praise their responsive service, competitive rates, and understanding of local real estate conditions. With over 170 years serving Vermont communities, they provide exceptional stability and community commitment.

North Country Federal Credit Union serves the entire Northeast Kingdom region including Derby, offering highly competitive mortgage rates and exceptional member service. As a not-for-profit credit union, they often provide lower fees and more flexible terms than traditional banks. Their mortgage specialists have particular expertise with Vermont's rural housing market and first-time homebuyer programs. Members consistently highlight the credit union's personalized approach, with loan officers who take time to explain options and guide borrowers through the entire process. Their strong community presence and member-focused philosophy make them a top choice for Derby area homebuyers.

Union Bank has been serving Vermont communities for over 130 years and maintains a strong presence in Orleans County, including Derby. Their Newport branch location provides convenient access for Derby residents seeking mortgage services. Union Bank offers particularly strong construction and renovation loan programs, which are valuable in Derby's growing market. Customers appreciate their local underwriting and decision-making capabilities, which often result in faster closings. The bank's long history in the region means they understand local property values and market conditions intimately. Their mortgage team receives consistent praise for professionalism and ability to handle complex financing scenarios.