{
  "canonical_url": "https://lendb.ai/in/florida/bay-county/fha-loans",
  "summary": "These are lenders, not loan officers. Of the lenders LenDb lists, 89 funded FHA home loans in Bay County, FL in 2025, 741 loans in all, per HMDA, FFIEC/CFPB data. The most active were DHI Mortgage (192), United Wholesale Mortgage (100) and Rocket Mortgage (60). Lenders LenDb does not list yet, and lenders below the HMDA reporting thresholds, are not counted. Loan officers LenDb lists at each lender near Bay County are linked below.",
  "county": {
    "fips": "12005",
    "name": "Bay County",
    "state": "FL"
  },
  "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": 89,
    "lenders_10": 13,
    "loans": 741,
    "qualifies": true
  },
  "lenders": [
    {
      "nmls_id": 14622,
      "name": "DHI Mortgage",
      "slug": "dhi-mortgage-14622",
      "canonical_url": "https://lendb.ai/lender/dhi-mortgage-14622",
      "loans": 192,
      "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": 100,
      "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": 60,
      "includes_brokered": true,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 3029,
      "name": "CrossCountry Mortgage",
      "slug": "crosscountry-mortgage-3029",
      "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
      "loans": 35,
      "includes_brokered": false,
      "loan_officers": {
        "total": 4,
        "people": [
          {
            "nmls_id": 254726,
            "full_name": "Marisa Clark",
            "canonical_url": "https://lendb.ai/lo/marisa-clark-254726",
            "branch_city": "Panama City",
            "branch_state": "FL"
          },
          {
            "nmls_id": 554943,
            "full_name": "Stacey Grimes",
            "canonical_url": "https://lendb.ai/lo/stacey-grimes-554943",
            "branch_city": "Panama City",
            "branch_state": "FL"
          },
          {
            "nmls_id": 1749240,
            "full_name": "Lindsey Chapman",
            "canonical_url": "https://lendb.ai/lo/lindsey-chapman-1749240",
            "branch_city": "Panama City",
            "branch_state": "FL"
          }
        ]
      }
    },
    {
      "nmls_id": 3274,
      "name": "Guild Mortgage",
      "slug": "guild-mortgage-3274",
      "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
      "loans": 33,
      "includes_brokered": false,
      "loan_officers": {
        "total": 2,
        "people": [
          {
            "nmls_id": 754318,
            "full_name": "Kathy Hallmon",
            "canonical_url": "https://lendb.ai/lo/katharine-hallmon-754318",
            "branch_city": "Panama City",
            "branch_state": "FL"
          },
          {
            "nmls_id": 284217,
            "full_name": "Steve Dick",
            "canonical_url": "https://lendb.ai/lo/steven-dick-284217",
            "branch_city": "Panama City",
            "branch_state": "FL"
          }
        ]
      }
    },
    {
      "nmls_id": 231073,
      "name": "POINT MORTGAGE CORPORATION",
      "slug": "point-mortgage-corporation-231073",
      "canonical_url": "https://lendb.ai/lender/point-mortgage-corporation-231073",
      "loans": 21,
      "includes_brokered": false,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 35953,
      "name": "Pennymac",
      "slug": "pennymac-35953",
      "canonical_url": "https://lendb.ai/lender/pennymac-35953",
      "loans": 16,
      "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": 14,
      "includes_brokered": false,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 21116,
      "name": "Equity Prime Mortgage LLC",
      "slug": "equity-prime-mortgage-llc-21116",
      "canonical_url": "https://lendb.ai/lender/equity-prime-mortgage-llc-21116",
      "loans": 13,
      "includes_brokered": false,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 174457,
      "name": "loanDepot",
      "slug": "loandepot-174457",
      "canonical_url": "https://lendb.ai/lender/loandepot-174457",
      "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."
}