{
  "canonical_url": "https://lendb.ai/in/maryland/caroline-county/fha-loans",
  "summary": "These are lenders, not loan officers. Of the lenders LenDb lists, 46 funded FHA home loans in Caroline County, MD in 2025, 182 loans in all, per HMDA, FFIEC/CFPB data. The most active were DHI Mortgage (22), United Wholesale Mortgage (21) and First Home Mortgage (18). Lenders LenDb does not list yet, and lenders below the HMDA reporting thresholds, are not counted. Loan officers LenDb lists at each lender near Caroline County are linked below.",
  "county": {
    "fips": "24011",
    "name": "Caroline 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": 46,
    "lenders_10": 5,
    "loans": 182,
    "qualifies": true
  },
  "lenders": [
    {
      "nmls_id": 14622,
      "name": "DHI Mortgage",
      "slug": "dhi-mortgage-14622",
      "canonical_url": "https://lendb.ai/lender/dhi-mortgage-14622",
      "loans": 22,
      "includes_brokered": false,
      "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": 21,
      "includes_brokered": true,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 71603,
      "name": "First Home Mortgage",
      "slug": "first-home-mortgage-71603",
      "canonical_url": "https://lendb.ai/lender/first-home-mortgage-71603",
      "loans": 18,
      "includes_brokered": false,
      "loan_officers": {
        "total": 2,
        "people": [
          {
            "nmls_id": 1375134,
            "full_name": "Shane Gunther",
            "canonical_url": "https://lendb.ai/lo/shane-gunther-1375134",
            "branch_city": "Easton",
            "branch_state": "MD"
          },
          {
            "nmls_id": 1558861,
            "full_name": "Tom Draper",
            "canonical_url": "https://lendb.ai/lo/thomas-draper-1558861",
            "branch_city": "Easton",
            "branch_state": "MD"
          }
        ]
      }
    },
    {
      "nmls_id": 3030,
      "name": "Rocket Mortgage",
      "slug": "rocket-mortgage-3030",
      "canonical_url": "https://lendb.ai/lender/rocket-mortgage-3030",
      "loans": 17,
      "includes_brokered": true,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 2893,
      "name": "NFM Lending",
      "slug": "nfm-lending-2893",
      "canonical_url": "https://lendb.ai/lender/nfm-lending-2893",
      "loans": 16,
      "includes_brokered": false,
      "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": 8,
      "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": 7,
      "includes_brokered": true,
      "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": 4,
      "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": 4,
      "includes_brokered": false,
      "loan_officers": {
        "total": 4,
        "people": [
          {
            "nmls_id": 161495,
            "full_name": "Susie Montague",
            "canonical_url": "https://lendb.ai/lo/susanne-montague-161495",
            "branch_city": "Dover",
            "branch_state": "DE"
          },
          {
            "nmls_id": 1722079,
            "full_name": "Martha Pfeiffer",
            "canonical_url": "https://lendb.ai/lo/martha-pfeiffer-1722079",
            "branch_city": "Dover",
            "branch_state": "DE"
          },
          {
            "nmls_id": 1851124,
            "full_name": "Meghan Shockley",
            "canonical_url": "https://lendb.ai/lo/meghan-shockley-1851124",
            "branch_city": "Dover",
            "branch_state": "DE"
          }
        ]
      }
    },
    {
      "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": 4,
      "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."
}