{
  "canonical_url": "https://lendb.ai/in/florida/bay-county/va-loans",
  "summary": "These are lenders, not loan officers. Of the lenders LenDb lists, 89 funded VA home loans in Bay County, FL in 2025, 1,069 loans in all, per HMDA, FFIEC/CFPB data. The most active were DHI Mortgage (235), United Wholesale Mortgage (135) and Veterans United Home Loans (130). 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": "va",
  "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": 17,
    "loans": 1069,
    "qualifies": true
  },
  "lenders": [
    {
      "nmls_id": 14622,
      "name": "DHI Mortgage",
      "slug": "dhi-mortgage-14622",
      "canonical_url": "https://lendb.ai/lender/dhi-mortgage-14622",
      "loans": 235,
      "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": 135,
      "includes_brokered": true,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 1907,
      "name": "Veterans United Home Loans",
      "slug": "veterans-united-home-loans-1907",
      "canonical_url": "https://lendb.ai/lender/veterans-united-home-loans-1907",
      "loans": 130,
      "includes_brokered": false,
      "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": 61,
      "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": 51,
      "includes_brokered": false,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 399807,
      "name": "Navy Federal Credit Union",
      "slug": "navy-federal-399807",
      "canonical_url": "https://lendb.ai/lender/navy-federal-399807",
      "loans": 50,
      "includes_brokered": false,
      "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": 44,
      "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": 152859,
      "name": "Acrisure Mortgage (formerly FBC Mortgage)",
      "slug": "acrisure-mortgage-152859",
      "canonical_url": "https://lendb.ai/lender/acrisure-mortgage-152859",
      "loans": 27,
      "includes_brokered": true,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 399801,
      "name": "Wells Fargo Home Mortgage",
      "slug": "wells-fargo-399801",
      "canonical_url": "https://lendb.ai/lender/wells-fargo-399801",
      "loans": 27,
      "includes_brokered": false,
      "loan_officers": {
        "total": 1,
        "people": [
          {
            "nmls_id": 18258,
            "full_name": "Mark H Saraf",
            "canonical_url": "https://lendb.ai/lo/mark-h-saraf-18258",
            "branch_city": "Panama City Beach",
            "branch_state": "FL"
          }
        ]
      }
    },
    {
      "nmls_id": 35953,
      "name": "Pennymac",
      "slug": "pennymac-35953",
      "canonical_url": "https://lendb.ai/lender/pennymac-35953",
      "loans": 20,
      "includes_brokered": true,
      "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."
}