{
  "canonical_url": "https://lendb.ai/in/georgia/effingham-county/usda-loans",
  "summary": "These are lenders, not loan officers. Of the lenders LenDb lists, 12 funded USDA home loans in Effingham County, GA in 2025, 16 loans in all, per HMDA, FFIEC/CFPB data. The most active were Vanderbilt Mortgage and Finance, Inc. (3), CMG Home Loans (3) and Sierra Pacific Mortgage Company Inc (1). 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": "usda",
  "year": 2025,
  "source": "HMDA, FFIEC/CFPB",
  "source_url": "https://ffiec.cfpb.gov/data-publication/snapshot-national-loan-level-dataset/2025",
  "totals": {
    "lenders": 12,
    "lenders_10": 0,
    "loans": 16,
    "qualifies": false
  },
  "lenders": [
    {
      "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": 3,
      "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": 3,
      "includes_brokered": false,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 1788,
      "name": "Sierra Pacific Mortgage Company Inc",
      "slug": "sierra-pacific-mortgage-company-inc-1788",
      "canonical_url": "https://lendb.ai/lender/sierra-pacific-mortgage-company-inc-1788",
      "loans": 1,
      "includes_brokered": true,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 2113,
      "name": "Plaza Home Mortgage, Inc.",
      "slug": "plaza-home-mortgage-inc-2113",
      "canonical_url": "https://lendb.ai/lender/plaza-home-mortgage-inc-2113",
      "loans": 1,
      "includes_brokered": true,
      "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": 1,
      "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": 3925,
      "name": "Kind Lending, LLC",
      "slug": "kind-lending-3925",
      "canonical_url": "https://lendb.ai/lender/kind-lending-3925",
      "loans": 1,
      "includes_brokered": true,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 6521,
      "name": "Homebridge Financial Services",
      "slug": "homebridge-financial-services-6521",
      "canonical_url": "https://lendb.ai/lender/homebridge-financial-services-6521",
      "loans": 1,
      "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": 1,
      "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": 1,
      "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": 58775,
      "name": "Reliance First Capital, LLC",
      "slug": "reliance-first-capital-llc-58775",
      "canonical_url": "https://lendb.ai/lender/reliance-first-capital-llc-58775",
      "loans": 1,
      "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."
}