{
  "canonical_url": "https://lendb.ai/in/florida/charlotte-county/usda-loans",
  "summary": "These are lenders, not loan officers. Of the lenders LenDb lists, 4 funded USDA home loans in Charlotte County, FL in 2025, 4 loans in all, per HMDA, FFIEC/CFPB data. The most active were Newrez (1), Kind Lending, LLC (1) and Lower (1). Lenders LenDb does not list yet, and lenders below the HMDA reporting thresholds, are not counted. Loan officers LenDb lists at each lender near Charlotte County are linked below.",
  "county": {
    "fips": "12015",
    "name": "Charlotte County",
    "state": "FL"
  },
  "loan_type": "usda",
  "year": 2025,
  "source": "HMDA, FFIEC/CFPB",
  "source_url": "https://ffiec.cfpb.gov/data-publication/snapshot-national-loan-level-dataset/2025",
  "totals": {
    "lenders": 4,
    "lenders_10": 0,
    "loans": 4,
    "qualifies": false
  },
  "lenders": [
    {
      "nmls_id": 3013,
      "name": "Newrez",
      "slug": "newrez-3013",
      "canonical_url": "https://lendb.ai/lender/newrez-3013",
      "loans": 1,
      "includes_brokered": true,
      "loan_officers": {
        "total": 1,
        "people": [
          {
            "nmls_id": 2078060,
            "full_name": "Alexandra King",
            "canonical_url": "https://lendb.ai/lo/alexandra-king-2078060",
            "branch_city": "Fort Myers",
            "branch_state": "FL"
          }
        ]
      }
    },
    {
      "nmls_id": 3925,
      "name": "Kind Lending, LLC",
      "slug": "kind-lending-3925",
      "canonical_url": "https://lendb.ai/lender/kind-lending-3925",
      "loans": 1,
      "includes_brokered": true,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 1124061,
      "name": "Lower",
      "slug": "lower-1124061",
      "canonical_url": "https://lendb.ai/lender/lower-1124061",
      "loans": 1,
      "includes_brokered": true,
      "loan_officers": {
        "total": 14,
        "people": [
          {
            "nmls_id": 327112,
            "full_name": "DeAnna Rivera",
            "canonical_url": "https://lendb.ai/lo/deanna-rivera-327112",
            "branch_city": "Fort Myers",
            "branch_state": "FL"
          },
          {
            "nmls_id": 1052459,
            "full_name": "Edgard Gonzalez",
            "canonical_url": "https://lendb.ai/lo/edgard-gonzalez-1052459",
            "branch_city": "Fort Myers",
            "branch_state": "FL"
          },
          {
            "nmls_id": 325159,
            "full_name": "Melanie Brown",
            "canonical_url": "https://lendb.ai/lo/melanie-brown-325159",
            "branch_city": "Arcadia",
            "branch_state": "FL"
          }
        ]
      }
    },
    {
      "nmls_id": 1564276,
      "name": "Inspire Home Loans Inc.",
      "slug": "inspire-home-loans-inc-1564276",
      "canonical_url": "https://lendb.ai/lender/inspire-home-loans-inc-1564276",
      "loans": 1,
      "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."
}