{
  "canonical_url": "https://lendb.ai/in/florida/santa-rosa-county/fha-loans",
  "summary": "These are lenders, not loan officers. Of the lenders LenDb lists, 92 funded FHA home loans in Santa Rosa County, FL in 2025, 739 loans in all, per HMDA, FFIEC/CFPB data. The most active were DHI Mortgage (144), Lennar Mortgage (72) and United Wholesale Mortgage (64). Lenders LenDb does not list yet, and lenders below the HMDA reporting thresholds, are not counted. Loan officers LenDb lists at each lender near Santa Rosa County are linked below.",
  "county": {
    "fips": "12113",
    "name": "Santa Rosa 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": 92,
    "lenders_10": 14,
    "loans": 739,
    "qualifies": true
  },
  "lenders": [
    {
      "nmls_id": 14622,
      "name": "DHI Mortgage",
      "slug": "dhi-mortgage-14622",
      "canonical_url": "https://lendb.ai/lender/dhi-mortgage-14622",
      "loans": 144,
      "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": 72,
      "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": 64,
      "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": 56,
      "includes_brokered": true,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 2289,
      "name": "Fairway Independent Mortgage Corporation",
      "slug": "fairway-independent-mortgage-2289",
      "canonical_url": "https://lendb.ai/lender/fairway-independent-mortgage-2289",
      "loans": 28,
      "includes_brokered": false,
      "loan_officers": {
        "total": 7,
        "people": [
          {
            "nmls_id": 104288,
            "full_name": "Frank J Fontanetta",
            "canonical_url": "https://lendb.ai/lo/frank-fontanetta-104288",
            "branch_city": "Pensacola",
            "branch_state": "FL"
          },
          {
            "nmls_id": 176761,
            "full_name": "Carole Ducote",
            "canonical_url": "https://lendb.ai/lo/carole-ducote-176761",
            "branch_city": "Pensacola",
            "branch_state": "FL"
          },
          {
            "nmls_id": 177895,
            "full_name": "Benita Grotto Glenn",
            "canonical_url": "https://lendb.ai/lo/benita-grotto-177895",
            "branch_city": "Pensacola",
            "branch_state": "FL"
          }
        ]
      }
    },
    {
      "nmls_id": 2767,
      "name": "Freedom Mortgage",
      "slug": "freedom-mortgage-2767",
      "canonical_url": "https://lendb.ai/lender/freedom-mortgage-2767",
      "loans": 26,
      "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": 23,
      "includes_brokered": false,
      "loan_officers": {
        "total": 7,
        "people": [
          {
            "nmls_id": 1247298,
            "full_name": "Kayla Cannon",
            "canonical_url": "https://lendb.ai/lo/kayla-cannon-1247298",
            "branch_city": "Pensacola",
            "branch_state": "FL"
          },
          {
            "nmls_id": 1589773,
            "full_name": "Kevin Brill",
            "canonical_url": "https://lendb.ai/lo/kevin-brill-1589773",
            "branch_city": "Pensacola",
            "branch_state": "FL"
          },
          {
            "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": 1820,
      "name": "CMG Home Loans",
      "slug": "cmg-home-loans-1820",
      "canonical_url": "https://lendb.ai/lender/cmg-home-loans-1820",
      "loans": 22,
      "includes_brokered": false,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 3274,
      "name": "Guild Mortgage",
      "slug": "guild-mortgage-3274",
      "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
      "loans": 20,
      "includes_brokered": false,
      "loan_officers": {
        "total": 12,
        "people": [
          {
            "nmls_id": 518610,
            "full_name": "Jason Weber",
            "canonical_url": "https://lendb.ai/lo/jason-weber-518610",
            "branch_city": "Pensacola",
            "branch_state": "FL"
          },
          {
            "nmls_id": 706232,
            "full_name": "Matt Sines",
            "canonical_url": "https://lendb.ai/lo/matthew-sines-706232",
            "branch_city": "Pensacola",
            "branch_state": "FL"
          },
          {
            "nmls_id": 2762473,
            "full_name": "Rebekah Ward",
            "canonical_url": "https://lendb.ai/lo/rebekah-ward-2762473",
            "branch_city": "Pensacola",
            "branch_state": "FL"
          }
        ]
      }
    },
    {
      "nmls_id": 6606,
      "name": "New American Funding",
      "slug": "new-american-funding-6606",
      "canonical_url": "https://lendb.ai/lender/new-american-funding-6606",
      "loans": 20,
      "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."
}