Home financing in Lamoille County.
County-by-county financing guides. No paperwork. No social. No ID.
No institution is based inside the Lamoille County line. We do not hide that — below are the doors that serve it from the rest of Vermont.
Not this lane? Business FinancingPersonal Financing
No institution is headquartered inside the Lamoille County line.
That is not a gap in this page, and it is not unusual: 3 of Vermont's 14 counties hold a door in this lane, and Lamoille County is not one of them. What does serve it is below, by name and by town.
The doors in Lamoille County.
The CDFIs, credit unions, and microlenders that actually say yes — county by county, in two languages. We are not a lender. Nobody paid to be listed. And where a county has no good doors, we say so.
- 5
- DOORS HERE
- 0
- BASED HERE
- 3
- VT COUNTIES WITH DOORS
- Lane
- Home Financing
- People
- 26Kresidents of Lamoille County
- Elsewhere in VT
- Washington County →3 doors — the biggest list of any other county in Vermont
- Doors
- 5serving this county · none inside the line
- ITIN
- 2take an ITIN instead of a social security number
- State
- Vermont →3 of 14 counties hold a door in this lane
Certified by the U.S. Treasury to lend where a bank will not. Nonprofit, patient, and used to a file that is not clean.
Vermont Community Loan Fund, Inc.They will open an application with an ITIN instead of a social security number. No citizenship test at the door.
Mission Asset Fund · Grameen America- Vermont Community Loan Fund, Inc.SBA microlenderCommunity lending · Business capital
- Brattleboro Development Credit CorpBusiness capital
- Community Capital of Vermont, Inc. (CCVT)Business capital
- Mission Asset FundAccepts ITIN
Zero-interest lending circles and credit building. SSN or ITIN accepted. Works through nonprofit partners across the country.
Personal - Grameen AmericaAccepts ITIN
Microloans for women entrepreneurs. Requires photo ID and proof of address — no SSN requirement. Branches in major metro areas.
Business capital
1 of the 5 doors that serve this county are CDFI-certified.
The U.S. Treasury certifies them to lend to the people banks pass over. It is a loan, not a favour.
2 of the 5 accept an ITIN.
They will open an application with an ITIN instead of a social security number. They are marked ACCEPTS ITIN below.
How to read this list.
We do not ask for your name, your email, or your number. Nothing on this page changes based on who you are.
A door is headquartered here when its head office sits inside the county line. The rest are based elsewhere and keep a branch you can walk into. We list both, and we label which is which.
Every institution on this page comes from public federal data — the CDFI Fund certified list (Aug 2026), NCUA credit union data (Jun 2026), and the SBA microloan intermediary list (Sep 2026) — plus a short national tier we verified by hand. We refresh each list as its agency publishes. No listing is paid.
Who actually approves home loans in Lamoille County.
home-purchase applications that reached a decision were turned down: 18 of 215.
- Applications
- 266
- Loans made
- 189
- Median rate
- 6.5%
- Too much debt for the income38.9%
- The home's value or condition33.3%
- Credit history11.1%
- Eastrise Federal Credit Union72449.8%6%
- Union Bank45382.6%6.6%
- North Country583512.5%7.4%
- Guild Mortgage26204.8%6.5%
- Rocket Mortgage261913%6.5%
- Vermont Federal Credit Union20180%5.9%
- EMM Loans17136.3%6.4%
- Northeast Home Loan15120%6.5%
- Community National Bank10820%6.1%
- Community Bank10722.2%6.8%
The 10 lenders that made the most home loans in Lamoille County in 2025, buying and refinancing together. The mark on each bar is the whole county's denial rate (15.2%). Home loans only: first-lien, owner-occupied, one-to-four-unit homes, as reported under the federal HMDA law. Small lenders below its reporting threshold — many of the credit unions above — don't report, so their loans aren't counted here. Rates are for loans made. Source: HMDA 2025 public loan records (FFIEC).
Buying a home in Lamoille County, Vermont is very achievable — whether you are a first-time buyer, a solo contractor, or a small real-estate investor. Vermont has a strong network of local lenders, community development organizations, and state-backed programs that can help you finance a home even if your credit history is limited or you do not have a Social Security Number. This guide walks you through what home financing is, who qualifies locally, what paperwork you will need, and which local organizations can help you — all without pressure or confusing jargon.
- 5
- SERVE IT
- 3
- ACROSS VT
Based in Montpelier, Vermont. A community development financial institution, certified by the U.S. Treasury to lend where a bank will not, and used to a file that is not clean. It lends SBA microloan money.
BEST FORCommunity lending where a bank has already said no, and working capital, equipment and payroll for a small business.Based in Brattleboro, Vermont. An SBA intermediary, so the money is federal microloan money and the decision is made locally rather than by a national credit box.
BEST FORWorking capital, equipment and payroll for a small business.Based in Barre, Vermont. Approved by the SBA to place microloans, which are deliberately small — the size a real first job or a first truck actually costs.
BEST FORWorking capital, equipment and payroll for a small business.Based in San Francisco, California. Zero-interest lending circles and credit building. SSN or ITIN accepted. Works through nonprofit partners across the country. A national nonprofit lender that works across state lines, so where you live is not what decides whether you get an answer. It will open an application with an ITIN instead of a social security number.
BEST FORA personal loan, or building a credit file from nothing — with no social security number.Everything below is set by Vermont, and it reads the same in every county in it. Who opens the door is not: 2 of the 5 above will take an ITIN instead of a social security number.
The rules where you are.
None of this is set by a lender. Vermont sets it, and it applies the same in every county in the state — which is why it is worth knowing before you knock on any of the doors above.
- PROPERTY TAX1.83% effective
What Vermont charges every year on what the house is worth. No lender sets it and it does not go away when the loan does — it is part of the payment from day one.
- MEDIAN HOME, STATEWIDE$389K
The number an appraisal gets read against. A house well under it is often the loan a big bank does not want — which is exactly what the doors above are for.
- STATE INCOME TAX3.35% – 8.75%
It comes off before a lender works out how much of your income can go to a payment.
- COST OF LIVING115.4
National index, where 100 is the country's average. Under 100 means your money goes further here than it does nationally.
Sources: Tax Foundation 2025 · Census ACS 5-year 2023 · BEA/MERIC COLI 2024 · Zillow 2026-Q1. As of 2026-04.
The short version.
- 01
No institution is based inside the Lamoille County line, and we say so out loud: the 5 doors above serve it from outside.
- 02
1 of them are certified by the U.S. Treasury as CDFIs. Lending where a bank will not is their mandate, not a favour.
- 03
2 will open an application with an ITIN instead of a social security number. There is no citizenship test at the door.
- 04
3 of Vermont's 14 counties hold a door in this lane. If Lamoille County does not have the one you need, the whole state is one click away.
Same county, another question.
Business FinancingLoans, lines of credit, and capital for small businesses and contractorsSEE IT IN LAMOILLE COUNTY →
Personal FinancingPersonal loans, credit building, and ITIN-friendly financing optionsSEE IT IN LAMOILLE COUNTY →3VT COUNTIES WITH DOORSThe whole stateEvery county in Vermont, in this same lane.3 institutions fund homes and repairs inside Vermont county lines.OPEN THE STATE →Still don't see your situation?
Ask Iris. She'll explain it the way it should have been explained the first time.