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Mortgage Lenders

Julie Riccardi, VP Mortgage Sales

Julie Riccardi

VP Mortgage Sales

Julie started at HFCU in 2006. She started out at the Bennington branch and then moved into mortgage department management in 2015. Julie is back to her lending roots working in the Bennington, Manchester and Londonderry communities. When not working, Julie loves to travel and spend time with her husband and two German Shepherds.

206 Pleasant Street
Bennington, VT 05201

888.252.8932 ext. 2343
FAX 802.775.7864

Apply With Julie

NMLS 937919

A smiling woman, Mackenzie Warner, in business attire

Mackenzie Warner

AVP Mortgage Loan Originator

Mackenzie has worked for HFCU for nearly 10 years. She has grown through her career here, settling into the mortgage department in 2020. When she isn't working, you can find Mackenzie adventuring locally and internationally with her husband and daughter.

50 West Street
Rutland, VT 05701

888.252.8932 ext. 2180
FAX 802.747.7543

Apply with Mackenzie

NMLS 2008629

A smiling man, Jerry DePhillips, in a business suit

JERRY DePHILLIPS

AVP Mortgage Loan Originator

Jerry joined the HFCU team in March of 2023. He has lived in Vermont for the past 21 years. You can likely find Jerry on the golf course or out adventuring with his dog when he is not working.

30 Allen Street
Rutland, VT 05701

888.252.8932 ext. 2127
FAX 802.775.7864

Apply With Jerry

NMLS 2401607

Emily Osmer, a mortgage originator, smiles for a photo, her hair draped over her shoulders, wearing a maroon blouse.

Emily Osmer

AVP Mortgage Loan Originator

Emily has worked for HFCU for 10 years. She has grown through her career here, joining the mortgage department in 2023. You can find her hiking and camping locally with her dog, road-tripping across the U.S., or exploring internationally.

30 Allen Street
Rutland, VT 05701

888.252.8932 ext. 2390
FAX 802.775.7864

Apply with EMILY

NMLS 2369648