Mortgage Lenders
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.
Bennington, VT
888.252.8932 ext. 2343
FAX 802.775.7864
NMLS 937919
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.
Rutland, VT
888.252.8932 ext. 2180
FAX 802.747.7543
NMLS 2008629
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.
Rutland, VT
888.252.8932 ext. 2127
FAX 802.775.7864
NMLS 2401607
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.
Rutland, VT
888.252.8932 ext. 2390
FAX 802.775.7864
NMLS 2369648