{
  "canonical_url": "https://lendb.ai/in/maryland/calvert-county/fha-loans",
  "summary": "These are lenders, not loan officers. Of the lenders LenDb lists, 70 funded FHA home loans in Calvert County, MD in 2025, 289 loans in all, per HMDA, FFIEC/CFPB data. The most active were First Home Mortgage (32), Rocket Mortgage (25) and United Wholesale Mortgage (22). Lenders LenDb does not list yet, and lenders below the HMDA reporting thresholds, are not counted. Loan officers LenDb lists at each lender near Calvert County are linked below.",
  "county": {
    "fips": "24009",
    "name": "Calvert County",
    "state": "MD"
  },
  "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": 70,
    "lenders_10": 7,
    "loans": 289,
    "qualifies": true
  },
  "lenders": [
    {
      "nmls_id": 71603,
      "name": "First Home Mortgage",
      "slug": "first-home-mortgage-71603",
      "canonical_url": "https://lendb.ai/lender/first-home-mortgage-71603",
      "loans": 32,
      "includes_brokered": false,
      "loan_officers": {
        "total": 19,
        "people": [
          {
            "nmls_id": 170353,
            "full_name": "Darren Rickwood",
            "canonical_url": "https://lendb.ai/lo/darren-rickwood-170353",
            "branch_city": "Prince Frederick",
            "branch_state": "MD"
          },
          {
            "nmls_id": 2819460,
            "full_name": "Troy Thingelstad",
            "canonical_url": "https://lendb.ai/lo/troy-thingelstad-2819460",
            "branch_city": "Prince Frederick",
            "branch_state": "MD"
          },
          {
            "nmls_id": 142925,
            "full_name": "Jim Moran",
            "canonical_url": "https://lendb.ai/lo/james-moran-142925",
            "branch_city": "Hollywood",
            "branch_state": "MD"
          }
        ]
      }
    },
    {
      "nmls_id": 3030,
      "name": "Rocket Mortgage",
      "slug": "rocket-mortgage-3030",
      "canonical_url": "https://lendb.ai/lender/rocket-mortgage-3030",
      "loans": 25,
      "includes_brokered": true,
      "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": 22,
      "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": 17,
      "includes_brokered": false,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 35953,
      "name": "Pennymac",
      "slug": "pennymac-35953",
      "canonical_url": "https://lendb.ai/lender/pennymac-35953",
      "loans": 16,
      "includes_brokered": true,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 512138,
      "name": "TowneBank Mortgage",
      "slug": "townebank-mortgage-512138",
      "canonical_url": "https://lendb.ai/lender/townebank-mortgage-512138",
      "loans": 14,
      "includes_brokered": false,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 39610,
      "name": "Bay Capital Mortgage Corporation",
      "slug": "bay-capital-mortgage-corporation-39610",
      "canonical_url": "https://lendb.ai/lender/bay-capital-mortgage-corporation-39610",
      "loans": 11,
      "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": 9,
      "includes_brokered": false,
      "loan_officers": {
        "total": 7,
        "people": [
          {
            "nmls_id": 199611,
            "full_name": "James Johnson",
            "canonical_url": "https://lendb.ai/lo/james-johnson-199611",
            "branch_city": "Dunkirk",
            "branch_state": "MD"
          },
          {
            "nmls_id": 216306,
            "full_name": "Mark Niosi",
            "canonical_url": "https://lendb.ai/lo/mark-niosi-216306",
            "branch_city": "Dunkirk",
            "branch_state": "MD"
          },
          {
            "nmls_id": 459790,
            "full_name": "Stan Carlyle",
            "canonical_url": "https://lendb.ai/lo/stan-carlyle-459790",
            "branch_city": "Dunkirk",
            "branch_state": "MD"
          }
        ]
      }
    },
    {
      "nmls_id": 1820,
      "name": "CMG Home Loans",
      "slug": "cmg-home-loans-1820",
      "canonical_url": "https://lendb.ai/lender/cmg-home-loans-1820",
      "loans": 8,
      "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": 8,
      "includes_brokered": false,
      "loan_officers": {
        "total": 2,
        "people": [
          {
            "nmls_id": 455891,
            "full_name": "Bill Saunders",
            "canonical_url": "https://lendb.ai/lo/bill-saunders-455891",
            "branch_city": "Dunkirk",
            "branch_state": "MD"
          },
          {
            "nmls_id": 1682305,
            "full_name": "Emily Estevez",
            "canonical_url": "https://lendb.ai/lo/emily-estevez-1682305",
            "branch_city": "Dunkirk",
            "branch_state": "MD"
          }
        ]
      }
    }
  ],
  "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."
}