{
  "canonical_url": "https://lendb.ai/in/florida/okaloosa-county/fha-loans",
  "summary": "These are lenders, not loan officers. Of the lenders LenDb lists, 74 funded FHA home loans in Okaloosa County, FL in 2025, 431 loans in all, per HMDA, FFIEC/CFPB data. The most active were CrossCountry Mortgage (55), United Wholesale Mortgage (43) and Rocket Mortgage (39). Lenders LenDb does not list yet, and lenders below the HMDA reporting thresholds, are not counted. Loan officers LenDb lists at each lender near Okaloosa County are linked below.",
  "county": {
    "fips": "12091",
    "name": "Okaloosa 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": 74,
    "lenders_10": 10,
    "loans": 431,
    "qualifies": true
  },
  "lenders": [
    {
      "nmls_id": 3029,
      "name": "CrossCountry Mortgage",
      "slug": "crosscountry-mortgage-3029",
      "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
      "loans": 55,
      "includes_brokered": false,
      "loan_officers": {
        "total": 27,
        "people": [
          {
            "nmls_id": 626467,
            "full_name": "Danielle Heitner",
            "canonical_url": "https://lendb.ai/lo/danielle-heitner-626467",
            "branch_city": "Crestview",
            "branch_state": "FL"
          },
          {
            "nmls_id": 1666711,
            "full_name": "Mallory Fotiades",
            "canonical_url": "https://lendb.ai/lo/mallory-fotiades-1666711",
            "branch_city": "Crestview",
            "branch_state": "FL"
          },
          {
            "nmls_id": 1752706,
            "full_name": "Amy Harvell",
            "canonical_url": "https://lendb.ai/lo/amy-harvell-1752706",
            "branch_city": "Crestview",
            "branch_state": "FL"
          }
        ]
      }
    },
    {
      "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": 43,
      "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": 39,
      "includes_brokered": true,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 14622,
      "name": "DHI Mortgage",
      "slug": "dhi-mortgage-14622",
      "canonical_url": "https://lendb.ai/lender/dhi-mortgage-14622",
      "loans": 37,
      "includes_brokered": false,
      "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": 30,
      "includes_brokered": false,
      "loan_officers": {
        "total": 6,
        "people": [
          {
            "nmls_id": 518429,
            "full_name": "Sheryl Douglas",
            "canonical_url": "https://lendb.ai/lo/sheryl-douglas-518429",
            "branch_city": "Fort Walton Beach",
            "branch_state": "FL"
          },
          {
            "nmls_id": 1207116,
            "full_name": "Paige Gailor",
            "canonical_url": "https://lendb.ai/lo/paige-gailor-1207116",
            "branch_city": "Fort Walton Beach",
            "branch_state": "FL"
          },
          {
            "nmls_id": 1449525,
            "full_name": "Lindsay Fretina",
            "canonical_url": "https://lendb.ai/lo/lindsay-fretina-1449525",
            "branch_city": "Fort Walton Beach",
            "branch_state": "FL"
          }
        ]
      }
    },
    {
      "nmls_id": 186434,
      "name": "Waterstone Mortgage",
      "slug": "waterstone-mortgage-186434",
      "canonical_url": "https://lendb.ai/lender/waterstone-mortgage-186434",
      "loans": 22,
      "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": 14,
      "includes_brokered": false,
      "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": 11,
      "includes_brokered": false,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 1058,
      "name": "Lennar Mortgage",
      "slug": "lennar-mortgage-1058",
      "canonical_url": "https://lendb.ai/lender/lennar-mortgage-1058",
      "loans": 10,
      "includes_brokered": false,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 152859,
      "name": "Acrisure Mortgage (formerly FBC Mortgage)",
      "slug": "acrisure-mortgage-152859",
      "canonical_url": "https://lendb.ai/lender/acrisure-mortgage-152859",
      "loans": 10,
      "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."
}