Top 3 Mortgage Lenders in Richmond

Vermont Federal Credit Union is consistently ranked among Vermont's top mortgage lenders with exceptional customer satisfaction ratings. As a member-owned cooperative, they offer highly competitive rates and personalized service to Richmond residents. Their mortgage specialists provide comprehensive guidance through the entire home financing process, with particular expertise in Vermont-specific housing programs and first-time homebuyer assistance. With multiple branches throughout Chittenden County and robust digital banking services, they combine local expertise with modern convenience.

Union Bank brings over a century of Vermont banking experience to Richmond homebuyers, offering deeply personalized mortgage services with local decision-making. Their mortgage officers live and work in Vermont communities, providing invaluable insight into the local real estate market. They're particularly noted for their construction and renovation loan expertise, which is valuable in Richmond's mixed housing market. The bank maintains strong relationships with local real estate professionals and offers portfolio lending options that larger institutions cannot match.

NEFCU serves as one of Vermont's largest credit unions with extensive mortgage lending experience throughout Chittenden County, including Richmond. They offer a comprehensive range of mortgage products with particularly strong first-time homebuyer programs and competitive rate structures. Their digital mortgage application process receives high marks for efficiency, while maintaining local underwriting and personal service. NEFCU is known for community involvement and understanding the unique aspects of Vermont's housing market, from rural properties to in-town homes.