Top 3 Mortgage Lenders in North Troy

Community National Bank stands as the premier local banking institution serving the Northeast Kingdom region, including North Troy. With deep roots dating back over 170 years, this Vermont-based community bank offers personalized mortgage services with local decision-making. Their mortgage team understands the unique rural property challenges in areas like North Troy and specializes in USDA rural development loans that are particularly beneficial for this region. Customers consistently praise their responsive service, competitive rates, and the advantage of working with lenders who have extensive local market knowledge.

Union Bank has been serving Vermont communities for over 130 years with a strong presence in the Northeast Kingdom. Their mortgage specialists are particularly skilled with rural properties and land purchases common in the North Troy area. The bank offers competitive construction loans and permanent financing with local underwriting decisions. Customers highlight their professionalism, transparent communication throughout the loan process, and expertise with Vermont's unique property types. Their long-standing community commitment ensures they understand the local real estate market dynamics.

While based in St. Albans, North Country Federal Credit Union actively serves members throughout Northern Vermont, including the North Troy area. As a member-owned financial cooperative, they offer exceptionally competitive mortgage rates and lower fees than many traditional banks. Their mortgage team specializes in first-time homebuyer programs and offers personalized guidance through the entire home financing process. Members consistently report excellent customer service, straightforward communication, and particularly favorable terms for USDA rural housing loans that are ideal for the North Troy region.