{
  "canonical_url": "https://lendb.ai/in/maryland/calvert-county/usda-loans",
  "summary": "These are lenders, not loan officers. Of the lenders LenDb lists, 15 funded USDA home loans in Calvert County, MD in 2025, 29 loans in all, per HMDA, FFIEC/CFPB data. The most active were First Home Mortgage (9), Equity Resources, Inc. (3) and Guild Mortgage (3). 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": "usda",
  "year": 2025,
  "source": "HMDA, FFIEC/CFPB",
  "source_url": "https://ffiec.cfpb.gov/data-publication/snapshot-national-loan-level-dataset/2025",
  "totals": {
    "lenders": 15,
    "lenders_10": 0,
    "loans": 29,
    "qualifies": false
  },
  "lenders": [
    {
      "nmls_id": 71603,
      "name": "First Home Mortgage",
      "slug": "first-home-mortgage-71603",
      "canonical_url": "https://lendb.ai/lender/first-home-mortgage-71603",
      "loans": 9,
      "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": 1579,
      "name": "Equity Resources, Inc.",
      "slug": "equity-resources-inc-1579",
      "canonical_url": "https://lendb.ai/lender/equity-resources-inc-1579",
      "loans": 3,
      "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": 3,
      "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"
          }
        ]
      }
    },
    {
      "nmls_id": 1820,
      "name": "CMG Home Loans",
      "slug": "cmg-home-loans-1820",
      "canonical_url": "https://lendb.ai/lender/cmg-home-loans-1820",
      "loans": 2,
      "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": 2,
      "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": 1,
      "includes_brokered": false,
      "loan_officers": {
        "total": 13,
        "people": [
          {
            "nmls_id": 1956955,
            "full_name": "Jim Conley",
            "canonical_url": "https://lendb.ai/lo/james-conley-1956955",
            "branch_city": "Hughesville",
            "branch_state": "MD"
          },
          {
            "nmls_id": 2656628,
            "full_name": "Ken Powell",
            "canonical_url": "https://lendb.ai/lo/ken-powell-2656628",
            "branch_city": "Hughesville",
            "branch_state": "MD"
          },
          {
            "nmls_id": 483853,
            "full_name": "Mike Bendebba",
            "canonical_url": "https://lendb.ai/lo/michael-bendebba-483853",
            "branch_city": "Hughesville",
            "branch_state": "MD"
          }
        ]
      }
    },
    {
      "nmls_id": 3013,
      "name": "Newrez",
      "slug": "newrez-3013",
      "canonical_url": "https://lendb.ai/lender/newrez-3013",
      "loans": 1,
      "includes_brokered": true,
      "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": 1,
      "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": 39610,
      "name": "Bay Capital Mortgage Corporation",
      "slug": "bay-capital-mortgage-corporation-39610",
      "canonical_url": "https://lendb.ai/lender/bay-capital-mortgage-corporation-39610",
      "loans": 1,
      "includes_brokered": false,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 174457,
      "name": "loanDepot",
      "slug": "loandepot-174457",
      "canonical_url": "https://lendb.ai/lender/loandepot-174457",
      "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."
}