DSCR Loans in Chittenden County, Vermont
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
LinkedIn35 closed transactionsNLPI LLC, NJ entity ID 0451062247 (verify on the NJ business search)
In 2025 HMDA data, 37 lenders made 190 investment-property loans in Chittenden County, 26.2% of Vermont's total. Dominick Prevete arranges DSCR loans across Chittenden County, Vermont, qualified on the property's rent, not your tax returns. DSCR rental loans start from 7.25% (November 2026), and most close in 14 days. At HUD's fair market rent, a three-bedroom rental there covers its full payment up to a price of about $380,000.
Chittenden County investor market at a glance
| Statistic | Chittenden County | Vermont | County rank |
|---|---|---|---|
| Investor loans | 190 | 724 | 1st of 1 |
| Reporting lenders | 37 | 112 | 1st of 1 |
| Loan volume | $65.5M | $241.9M | 1st of 1 |
| Average loan | $345K | $334K | 1st of 1 |
| Median loan | $300K | $275K | 1st of 1 |
| Purchases | 68.4% | 67.1% | 1st of 1 |
| Cash-out refinances | 8.9% | 9.9% | 1st of 1 |
| 2–4 unit properties | 40.0% | 36.2% | 1st of 1 |
| Top five lenders' share | 57.9% | 37.2% | 1st of 1 |
| Reported business-purpose | 85.8% | 70.3% | 1st of 1 |
Chittenden County: closed-end loans on 1–4 unit investment properties. Chittenden County's rank is highest first, among Vermont's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Chittenden County's investor loans.
What stands out in Chittenden County
Chittenden County's 190 investor loans ranked 1st of Vermont's 1 counties with published data.
Does a DSCR loan pencil in Chittenden County?
At HUD's fair market rent of $2,733 for a 3-bedroom in Chittenden County, Vermont, a rental covers its full DSCR payment up to a purchase price of about $380,000, with 20% down at the 7.25% starting rate (November 2026). Chittenden County's median home value is $439,200; at that price the payment is $3,131 a month, so the property would need $3,150 in rent to cover it.
Coverage under 1.00 doesn't end the deal: the DSCR programs Dominick arranges go down to no-ratio, priced for the lower coverage, and a lower price or a larger down payment raises the ratio.
| HUD fair market rent, 2 / 3 / 4 bedroom (FY2027) | $2,165 / $2,733 / $2,845 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $439,200 |
| Median property taxes and effective rate | $6,617 (1.51% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $3,131 |
| Rent needed to cover that payment | $3,150 |
| Coverage of a 3-bedroom at fair market rent | 0.87 |
| Highest price a 3-bedroom at fair market rent covers | about $380,000 |
| Highest price two 2-bedroom units at fair market rent cover | about $605,000 |
| HUD area | Burlington-South Burlington, VT MSA |
Fair market rent is HUD's 40th-percentile gross rent, including utilities; a property's appraised market rent can be higher or lower. Payment uses 20% down, a 30-year amortization at the published DSCR starting rate, the county's median effective property-tax rate and insurance at 0.50% of value. Purchase leverage goes up to 85% on qualifying files. This is an illustration, not a term sheet or an offer of credit.
Price your actual deal →Run Chittenden County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Chittenden County?
The most active investment-property lenders in Chittenden County in 2025 HMDA data were EASTRISE FEDERAL CREDIT UNION; NORTHEAST HOME LOAN, LLC; and Northfield Savings Bank, out of 37 lenders that reported. HMDA doesn't flag which loans were DSCR loans, so this list mixes DSCR and conventional investment-property lenders. Dominick Prevete places DSCR loans across 100+ lenders and matches each file to the one most likely to fund it.
Chittenden County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 190 loans and $65.5M from 37 lenders. EASTRISE FEDERAL CREDIT UNION led Chittenden County with 56 loans, 29.5% of the county's total, and the average Chittenden County loan of $345K compares with $334K across Vermont.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| EASTRISE FEDERAL CREDIT UNION | 56 | $18.8M | $335K | 71.4% |
| NORTHEAST HOME LOAN, LLC | 16 | $5.1M | $320K | 93.8% |
| Northfield Savings Bank | 15 | $4.3M | $286K | 46.7% |
| NORTH COUNTRY | 14 | $4.3M | $306K | 35.7% |
| Union Bank | 9 | $2.9M | $326K | 88.9% |
| United Wholesale Mortgage | 8 | $3.8M | $474K | 75.0% |
| EMM LOANS LLC | 8 | $1.9M | $241K | 75.0% |
| Community Bank, National Association | 6 | $3.3M | $547K | 100.0% |
| VERMONT FEDERAL CREDIT UNION | 6 | $1.6M | $272K | 16.7% |
| Community National Bank | 4 | $1.1M | $275K | 75.0% |
| CMG MORTGAGE, INC. | 4 | $1.1M | $268K | 100.0% |
| Rocket Mortgage, LLC | 4 | $1.0M | $248K | 25.0% |
| The National Bank of Middlebury | 3 | $1.5M | $488K | 66.7% |
| Mascoma Bank | 3 | $1.5M | $485K | 100.0% |
| NBT Bank, National Association | 3 | $1.3M | $418K | 100.0% |
| Peoples Trust Company of St. Albans | 3 | $0.6M | $195K | 33.3% |
| Manufacturers and Traders Trust Company | 2 | $1.5M | $750K | 100.0% |
| PENNYMAC LOAN SERVICES, LLC | 2 | $1.2M | $580K | 100.0% |
| NEWREZ LLC | 2 | $0.8M | $420K | 100.0% |
| Easy Street Capital, LLC | 2 | $0.8M | $400K | 0.0% |
| Citizens Bank, National Association | 2 | $0.8M | $380K | 50.0% |
| Fairway Independent Mortgage Corporation | 2 | $0.7M | $345K | 50.0% |
| MOVEMENT MORTGAGE, LLC | 2 | $0.5M | $265K | 50.0% |
| Goldman Sachs Bank USA | 1 | $0.7M | $665K | 100.0% |
| Hometown Equity Mortgage, LLC | 1 | $0.6M | $605K | 100.0% |
0 Vermont loans (0%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Chittenden County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved November 11, 2026. How this data is built · Chittenden County CSV, all 25 lenders
What Chittenden County's table can't show you: fit. Short-term financing is exempt from HMDA, so Chittenden County's fix-and-flip and bridge lenders barely appear among its 37 filers, and none of the 25 names above tells you whose guidelines match your deal, your entity, or your timeline. That's the job. Dominick Prevete structures your file and places it across 100+ lenders so it lands with the one most likely to fund it.
Price your loan →Dominick Prevete places loans with some of the lenders listed here through wholesale relationships, and is paid when a loan he arranges closes. Appearing in this table is not an endorsement or a recommendation.
Counties near Chittenden County with published lender data
| County | Investor loans, 2025 | Lenders | Where it is from Chittenden County |
|---|---|---|---|
| Grafton County, NH | 132 | 71 | About 70 miles away |
| Carroll County, NH | 135 | 77 | About 100 miles away |
| Saratoga County, NY | 179 | 56 | About 100 miles away |
| Belknap County, NH | 109 | 61 | About 105 miles away |
Run the coverage test on your Chittenden County, Vermont deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Chittenden County, Vermont property's rent, loan, taxes and insurance to see where it lands.
Principal and interest on a thirty-year amortization, plus taxes, insurance and HOA.
Enter the rent, loan amount, rate, taxes and insurance to see the coverage ratio.
Sources
- CFPB / FFIEC HMDA Data Browser — Chittenden County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 37 lenders and 190 loans: 2025 HMDA loan-level data rolled up to Chittenden County.
- Chittenden County investor-lender dataset (CSV) — All 25 lenders in the Chittenden County, Vermont table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Chittenden County's 2-, 3- and 4-bedroom fair market rents in the rent math, and the 3-bedroom rent its highest-price figure uses: HUD's FY2027 figures for the Burlington-South Burlington, VT MSA.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Chittenden County's median home value (B25077) and median property taxes paid (B25103) in the rent math, from the Census 2020–2024 ACS 5-year summary files.
- DSCR loan rates, Dominick Prevete — DSCR rental loans start from 7.25%, as of November 2026: the Instant Term Sheet's best-case scenario on the current rate sheets.