{
  "canonical_url": "https://lendb.ai/in/florida/okaloosa-county/va-loans",
  "summary": "These are lenders, not loan officers. Of the lenders LenDb lists, 105 funded VA home loans in Okaloosa County, FL in 2025, 2,067 loans in all, per HMDA, FFIEC/CFPB data. The most active were United Wholesale Mortgage (318), DHI Mortgage (195) and Veterans United Home Loans (183). 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": "va",
  "year": 2025,
  "source": "HMDA, FFIEC/CFPB",
  "source_url": "https://ffiec.cfpb.gov/data-publication/snapshot-national-loan-level-dataset/2025",
  "totals": {
    "lenders": 105,
    "lenders_10": 37,
    "loans": 2067,
    "qualifies": true
  },
  "lenders": [
    {
      "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": 318,
      "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": 195,
      "includes_brokered": false,
      "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": 183,
      "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": 155,
      "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": 3030,
      "name": "Rocket Mortgage",
      "slug": "rocket-mortgage-3030",
      "canonical_url": "https://lendb.ai/lender/rocket-mortgage-3030",
      "loans": 110,
      "includes_brokered": true,
      "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": 105,
      "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": 2767,
      "name": "Freedom Mortgage",
      "slug": "freedom-mortgage-2767",
      "canonical_url": "https://lendb.ai/lender/freedom-mortgage-2767",
      "loans": 96,
      "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": 76,
      "includes_brokered": false,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 1820,
      "name": "CMG Home Loans",
      "slug": "cmg-home-loans-1820",
      "canonical_url": "https://lendb.ai/lender/cmg-home-loans-1820",
      "loans": 51,
      "includes_brokered": false,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 3013,
      "name": "Newrez",
      "slug": "newrez-3013",
      "canonical_url": "https://lendb.ai/lender/newrez-3013",
      "loans": 47,
      "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."
}