{
  "canonical_url": "https://lendb.ai/in/vermont/chittenden-county/conventional-loans",
  "summary": "These are lenders, not loan officers. Of the lenders LenDb lists, 62 funded conventional home loans in Chittenden County, VT in 2025, 666 loans in all, per HMDA, FFIEC/CFPB data. The most active were emm loans llc (152), Rocket Mortgage (94) and CMG Home Loans (91). Lenders LenDb does not list yet, and lenders below the HMDA reporting thresholds, are not counted. Loan officers LenDb lists at each lender near Chittenden County are linked below.",
  "county": {
    "fips": "50007",
    "name": "Chittenden County",
    "state": "VT"
  },
  "loan_type": "conventional",
  "year": 2025,
  "source": "HMDA, FFIEC/CFPB",
  "source_url": "https://ffiec.cfpb.gov/data-publication/snapshot-national-loan-level-dataset/2025",
  "totals": {
    "lenders": 62,
    "lenders_10": 13,
    "loans": 666,
    "qualifies": true
  },
  "lenders": [
    {
      "nmls_id": 2926,
      "name": "emm loans llc",
      "slug": "emm-loans-llc-2926",
      "canonical_url": "https://lendb.ai/lender/emm-loans-llc-2926",
      "loans": 152,
      "includes_brokered": true,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 3030,
      "name": "Rocket Mortgage",
      "slug": "rocket-mortgage-3030",
      "canonical_url": "https://lendb.ai/lender/rocket-mortgage-3030",
      "loans": 94,
      "includes_brokered": true,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 1820,
      "name": "CMG Home Loans",
      "slug": "cmg-home-loans-1820",
      "canonical_url": "https://lendb.ai/lender/cmg-home-loans-1820",
      "loans": 91,
      "includes_brokered": false,
      "loan_officers": {
        "total": 1,
        "people": [
          {
            "nmls_id": 94517,
            "full_name": "Henry Rackliff",
            "canonical_url": "https://lendb.ai/lo/henry-rackliff-94517",
            "branch_city": "Williston",
            "branch_state": "VT"
          }
        ]
      }
    },
    {
      "nmls_id": 3038,
      "name": "United Wholesale Mortgage (broker finder)",
      "slug": "united-wholesale-mortgage-3038",
      "canonical_url": "https://lendb.ai/lender/united-wholesale-mortgage-3038",
      "loans": 52,
      "includes_brokered": true,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 381076,
      "name": "M&T Bank",
      "slug": "m-t-bank-381076",
      "canonical_url": "https://lendb.ai/lender/m-t-bank-381076",
      "loans": 29,
      "includes_brokered": false,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 2289,
      "name": "Fairway Independent Mortgage Corporation",
      "slug": "fairway-independent-mortgage-2289",
      "canonical_url": "https://lendb.ai/lender/fairway-independent-mortgage-2289",
      "loans": 25,
      "includes_brokered": false,
      "loan_officers": {
        "total": 5,
        "people": [
          {
            "nmls_id": 1969954,
            "full_name": "PJ McHenry",
            "canonical_url": "https://lendb.ai/lo/pj-mchenry-1969954",
            "branch_city": "Burlington",
            "branch_state": "VT"
          },
          {
            "nmls_id": 2003827,
            "full_name": "Keegan Finn",
            "canonical_url": "https://lendb.ai/lo/keegan-finn-2003827",
            "branch_city": "Burlington",
            "branch_state": "VT"
          },
          {
            "nmls_id": 2009106,
            "full_name": "Alyssa Deutsch",
            "canonical_url": "https://lendb.ai/lo/alyssa-deutsch-2009106",
            "branch_city": "Burlington",
            "branch_state": "VT"
          }
        ]
      }
    },
    {
      "nmls_id": 330511,
      "name": "Better Mortgage",
      "slug": "better-mortgage-330511",
      "canonical_url": "https://lendb.ai/lender/better-mortgage-330511",
      "loans": 17,
      "includes_brokered": false,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 3013,
      "name": "Newrez",
      "slug": "newrez-3013",
      "canonical_url": "https://lendb.ai/lender/newrez-3013",
      "loans": 14,
      "includes_brokered": true,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 39179,
      "name": "Movement Mortgage",
      "slug": "movement-mortgage-39179",
      "canonical_url": "https://lendb.ai/lender/movement-mortgage-39179",
      "loans": 13,
      "includes_brokered": false,
      "loan_officers": {
        "total": 3,
        "people": [
          {
            "nmls_id": 20353,
            "full_name": "Ray Morvan",
            "canonical_url": "https://lendb.ai/lo/ray-morvan-20353",
            "branch_city": "South Burlington",
            "branch_state": "VT"
          },
          {
            "nmls_id": 91907,
            "full_name": "Reeni Murphy",
            "canonical_url": "https://lendb.ai/lo/maureen-murphy-91907",
            "branch_city": "South Burlington",
            "branch_state": "VT"
          },
          {
            "nmls_id": 194574,
            "full_name": "Jay Vallieres",
            "canonical_url": "https://lendb.ai/lo/jeremiah-vallieres-194574",
            "branch_city": "South Burlington",
            "branch_state": "VT"
          }
        ]
      }
    },
    {
      "nmls_id": 399798,
      "name": "JPMorgan Chase Bank (Chase Home Lending)",
      "slug": "chase-399798",
      "canonical_url": "https://lendb.ai/lender/chase-399798",
      "loans": 12,
      "includes_brokered": false,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    }
  ],
  "note": "Counts describe the company, not any one loan officer. Only lenders above the HMDA reporting thresholds file, and LenDb has matched about 70% of HMDA loan volume to lenders it lists, so a lender without HMDA data here may still make these loans."
}