{
  "canonical_url": "https://lendb.ai/in/vermont/chittenden-county/fha-loans",
  "summary": "These are lenders, not loan officers. Of the lenders LenDb lists, 18 funded FHA home loans in Chittenden County, VT in 2025, 78 loans in all, per HMDA, FFIEC/CFPB data. The most active were CMG Home Loans (17), emm loans llc (15) and Rocket Mortgage (9). 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": "fha",
  "year": 2025,
  "source": "HMDA, FFIEC/CFPB",
  "source_url": "https://ffiec.cfpb.gov/data-publication/snapshot-national-loan-level-dataset/2025",
  "totals": {
    "lenders": 18,
    "lenders_10": 2,
    "loans": 78,
    "qualifies": false
  },
  "lenders": [
    {
      "nmls_id": 1820,
      "name": "CMG Home Loans",
      "slug": "cmg-home-loans-1820",
      "canonical_url": "https://lendb.ai/lender/cmg-home-loans-1820",
      "loans": 17,
      "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": 2926,
      "name": "emm loans llc",
      "slug": "emm-loans-llc-2926",
      "canonical_url": "https://lendb.ai/lender/emm-loans-llc-2926",
      "loans": 15,
      "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": 9,
      "includes_brokered": true,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 2767,
      "name": "Freedom Mortgage",
      "slug": "freedom-mortgage-2767",
      "canonical_url": "https://lendb.ai/lender/freedom-mortgage-2767",
      "loans": 6,
      "includes_brokered": false,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 330511,
      "name": "Better Mortgage",
      "slug": "better-mortgage-330511",
      "canonical_url": "https://lendb.ai/lender/better-mortgage-330511",
      "loans": 6,
      "includes_brokered": false,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 6606,
      "name": "New American Funding",
      "slug": "new-american-funding-6606",
      "canonical_url": "https://lendb.ai/lender/new-american-funding-6606",
      "loans": 5,
      "includes_brokered": false,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "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": 4,
      "includes_brokered": true,
      "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": 2,
      "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": 3013,
      "name": "Newrez",
      "slug": "newrez-3013",
      "canonical_url": "https://lendb.ai/lender/newrez-3013",
      "loans": 2,
      "includes_brokered": true,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 3274,
      "name": "Guild Mortgage",
      "slug": "guild-mortgage-3274",
      "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
      "loans": 2,
      "includes_brokered": false,
      "loan_officers": {
        "total": 4,
        "people": [
          {
            "nmls_id": 2056533,
            "full_name": "Mike Malinowski",
            "canonical_url": "https://lendb.ai/lo/mike-malinowski-2056533",
            "branch_city": "Colchester",
            "branch_state": "VT"
          },
          {
            "nmls_id": 184443,
            "full_name": "Andy Nazarey",
            "canonical_url": "https://lendb.ai/lo/andy-nazarey-184443",
            "branch_city": "Colchester",
            "branch_state": "VT"
          },
          {
            "nmls_id": 501021,
            "full_name": "Janet Knutsen",
            "canonical_url": "https://lendb.ai/lo/janet-knutsen-501021",
            "branch_city": "Colchester",
            "branch_state": "VT"
          }
        ]
      }
    }
  ],
  "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."
}