{
  "canonical_url": "https://lendb.ai/in/georgia/effingham-county/fha-loans",
  "summary": "These are lenders, not loan officers. Of the lenders LenDb lists, 71 funded FHA home loans in Effingham County, GA in 2025, 449 loans in all, per HMDA, FFIEC/CFPB data. The most active were DHI Mortgage (56), Rocket Mortgage (42) and New American Funding (38). Lenders LenDb does not list yet, and lenders below the HMDA reporting thresholds, are not counted. Loan officers LenDb lists at each lender near Effingham County are linked below.",
  "county": {
    "fips": "13103",
    "name": "Effingham County",
    "state": "GA"
  },
  "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": 71,
    "lenders_10": 10,
    "loans": 449,
    "qualifies": true
  },
  "lenders": [
    {
      "nmls_id": 14622,
      "name": "DHI Mortgage",
      "slug": "dhi-mortgage-14622",
      "canonical_url": "https://lendb.ai/lender/dhi-mortgage-14622",
      "loans": 56,
      "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": 42,
      "includes_brokered": true,
      "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": 38,
      "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": 32,
      "includes_brokered": false,
      "loan_officers": {
        "total": 6,
        "people": [
          {
            "nmls_id": 2680647,
            "full_name": "Gabe Santin",
            "canonical_url": "https://lendb.ai/lo/gabe-santin-2680647",
            "branch_city": "Savannah",
            "branch_state": "GA"
          },
          {
            "nmls_id": 394225,
            "full_name": "Richard Brown",
            "canonical_url": "https://lendb.ai/lo/richard-brown-394225",
            "branch_city": "Savannah",
            "branch_state": "GA"
          },
          {
            "nmls_id": 836606,
            "full_name": "John Stahl III",
            "canonical_url": "https://lendb.ai/lo/john-stahl-836606",
            "branch_city": "Savannah",
            "branch_state": "GA"
          }
        ]
      }
    },
    {
      "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": 27,
      "includes_brokered": true,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 35953,
      "name": "Pennymac",
      "slug": "pennymac-35953",
      "canonical_url": "https://lendb.ai/lender/pennymac-35953",
      "loans": 25,
      "includes_brokered": true,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 1561,
      "name": "Vanderbilt Mortgage and Finance, Inc.",
      "slug": "vanderbilt-mortgage-and-finance-inc-1561",
      "canonical_url": "https://lendb.ai/lender/vanderbilt-mortgage-and-finance-inc-1561",
      "loans": 21,
      "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": 19,
      "includes_brokered": false,
      "loan_officers": {
        "total": 2,
        "people": [
          {
            "nmls_id": 246640,
            "full_name": "Jackie Alcock",
            "canonical_url": "https://lendb.ai/lo/jackie-alcock-246640",
            "branch_city": "Bluffton",
            "branch_state": "SC"
          },
          {
            "nmls_id": 659095,
            "full_name": "Debbie D. Kennedy",
            "canonical_url": "https://lendb.ai/lo/debra-kennedy-659095",
            "branch_city": "Statesboro",
            "branch_state": "GA"
          }
        ]
      }
    },
    {
      "nmls_id": 2767,
      "name": "Freedom Mortgage",
      "slug": "freedom-mortgage-2767",
      "canonical_url": "https://lendb.ai/lender/freedom-mortgage-2767",
      "loans": 18,
      "includes_brokered": false,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 17022,
      "name": "Planet Home Lending",
      "slug": "planet-home-lending-17022",
      "canonical_url": "https://lendb.ai/lender/planet-home-lending-17022",
      "loans": 15,
      "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."
}