{
  "canonical_url": "https://lendb.ai/in/maryland/carroll-county/usda-loans",
  "summary": "These are lenders, not loan officers. Of the lenders LenDb lists, 14 funded USDA home loans in Carroll County, MD in 2025, 18 loans in all, per HMDA, FFIEC/CFPB data. The most active were Embrace Home Loans (2), United Wholesale Mortgage (2) and Primary Residential Mortgage (PRMI) (2). Lenders LenDb does not list yet, and lenders below the HMDA reporting thresholds, are not counted. Loan officers LenDb lists at each lender near Carroll County are linked below.",
  "county": {
    "fips": "24013",
    "name": "Carroll 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": 14,
    "lenders_10": 0,
    "loans": 18,
    "qualifies": false
  },
  "lenders": [
    {
      "nmls_id": 2184,
      "name": "Embrace Home Loans",
      "slug": "embrace-home-loans-2184",
      "canonical_url": "https://lendb.ai/lender/embrace-home-loans-2184",
      "loans": 2,
      "includes_brokered": false,
      "loan_officers": {
        "total": 14,
        "people": [
          {
            "nmls_id": 137004,
            "full_name": "Stephanie David Walker",
            "canonical_url": "https://lendb.ai/lo/stephanie-david-walker-137004",
            "branch_city": "Timonium",
            "branch_state": "MD"
          },
          {
            "nmls_id": 177057,
            "full_name": "Tim Higgins",
            "canonical_url": "https://lendb.ai/lo/timothy-higgins-177057",
            "branch_city": "Timonium",
            "branch_state": "MD"
          },
          {
            "nmls_id": 239152,
            "full_name": "Matthew O'Connell",
            "canonical_url": "https://lendb.ai/lo/matthew-o-connell-239152",
            "branch_city": "Timonium",
            "branch_state": "MD"
          }
        ]
      }
    },
    {
      "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": 2,
      "includes_brokered": true,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 3094,
      "name": "Primary Residential Mortgage (PRMI)",
      "slug": "primary-residential-mortgage-3094",
      "canonical_url": "https://lendb.ai/lender/primary-residential-mortgage-3094",
      "loans": 2,
      "includes_brokered": false,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 2185899,
      "name": "OriginPoint LLC",
      "slug": "originpoint-llc-2185899",
      "canonical_url": "https://lendb.ai/lender/originpoint-llc-2185899",
      "loans": 2,
      "includes_brokered": false,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 2826,
      "name": "American Financial Resources, LLC",
      "slug": "american-financial-resources-llc-2826",
      "canonical_url": "https://lendb.ai/lender/american-financial-resources-llc-2826",
      "loans": 1,
      "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": 1,
      "includes_brokered": false,
      "loan_officers": {
        "total": 3,
        "people": [
          {
            "nmls_id": 179208,
            "full_name": "Jason Fox",
            "canonical_url": "https://lendb.ai/lo/jason-fox-179208",
            "branch_city": "Frederick",
            "branch_state": "MD"
          },
          {
            "nmls_id": 723269,
            "full_name": "Jeremy Scott Poling",
            "canonical_url": "https://lendb.ai/lo/jeremy-poling-723269",
            "branch_city": "Frederick",
            "branch_state": "MD"
          },
          {
            "nmls_id": 146562,
            "full_name": "Curtis Isaac Myers",
            "canonical_url": "https://lendb.ai/lo/curtis-isaac-myers-146562",
            "branch_city": "Columbia",
            "branch_state": "MD"
          }
        ]
      }
    },
    {
      "nmls_id": 3035,
      "name": "VanDyk Mortgage",
      "slug": "vandyk-mortgage-3035",
      "canonical_url": "https://lendb.ai/lender/vandyk-mortgage-3035",
      "loans": 1,
      "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": 1,
      "includes_brokered": false,
      "loan_officers": {
        "total": 13,
        "people": [
          {
            "nmls_id": 396744,
            "full_name": "Kevin Sapp",
            "canonical_url": "https://lendb.ai/lo/kevin-sapp-396744",
            "branch_city": "Timonium",
            "branch_state": "MD"
          },
          {
            "nmls_id": 460001,
            "full_name": "Brenda Evans",
            "canonical_url": "https://lendb.ai/lo/brenda-evans-460001",
            "branch_city": "Timonium",
            "branch_state": "MD"
          },
          {
            "nmls_id": 155674,
            "full_name": "Richard Miller",
            "canonical_url": "https://lendb.ai/lo/richard-miller-155674",
            "branch_city": "Columbia",
            "branch_state": "MD"
          }
        ]
      }
    },
    {
      "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": 21116,
      "name": "Equity Prime Mortgage LLC",
      "slug": "equity-prime-mortgage-llc-21116",
      "canonical_url": "https://lendb.ai/lender/equity-prime-mortgage-llc-21116",
      "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."
}