{
  "canonical_url": "https://lendb.ai/in/florida/santa-rosa-county/va-loans",
  "summary": "These are lenders, not loan officers. Of the lenders LenDb lists, 113 funded VA home loans in Santa Rosa County, FL in 2025, 1,744 loans in all, per HMDA, FFIEC/CFPB data. The most active were United Wholesale Mortgage (244), DHI Mortgage (240) and Veterans United Home Loans (171). 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": "va",
  "year": 2025,
  "source": "HMDA, FFIEC/CFPB",
  "source_url": "https://ffiec.cfpb.gov/data-publication/snapshot-national-loan-level-dataset/2025",
  "totals": {
    "lenders": 113,
    "lenders_10": 33,
    "loans": 1744,
    "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": 244,
      "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": 240,
      "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": 171,
      "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": 127,
      "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": 107,
      "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": 77,
      "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": 66,
      "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": 51,
      "includes_brokered": false,
      "loan_officers": {
        "total": 5,
        "people": [
          {
            "nmls_id": 676920,
            "full_name": "Richie Kopf",
            "canonical_url": "https://lendb.ai/lo/richard-kopf-676920",
            "branch_city": "Pensacola",
            "branch_state": "FL"
          },
          {
            "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": 35953,
      "name": "Pennymac",
      "slug": "pennymac-35953",
      "canonical_url": "https://lendb.ai/lender/pennymac-35953",
      "loans": 42,
      "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": 40,
      "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"
          }
        ]
      }
    }
  ],
  "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."
}