{
  "canonical_url": "https://lendb.ai/in/maryland/cecil-county/usda-loans",
  "summary": "These are lenders, not loan officers. Of the lenders LenDb lists, 7 funded USDA home loans in Cecil County, MD in 2025, 27 loans in all, per HMDA, FFIEC/CFPB data. The most active were Guild Mortgage (13), CMG Home Loans (8) and First Home Mortgage (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 Cecil County are linked below.",
  "county": {
    "fips": "24015",
    "name": "Cecil 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": 7,
    "lenders_10": 1,
    "loans": 27,
    "qualifies": false
  },
  "lenders": [
    {
      "nmls_id": 3274,
      "name": "Guild Mortgage",
      "slug": "guild-mortgage-3274",
      "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
      "loans": 13,
      "includes_brokered": false,
      "loan_officers": {
        "total": 14,
        "people": [
          {
            "nmls_id": 147143,
            "full_name": "Kim Pettitt",
            "canonical_url": "https://lendb.ai/lo/kim-pettitt-147143",
            "branch_city": "Elkton",
            "branch_state": "MD"
          },
          {
            "nmls_id": 162425,
            "full_name": "Phil Davis",
            "canonical_url": "https://lendb.ai/lo/william-davis-162425",
            "branch_city": "Elkton",
            "branch_state": "MD"
          },
          {
            "nmls_id": 1580300,
            "full_name": "Kayla Funk",
            "canonical_url": "https://lendb.ai/lo/kayla-funk-1580300",
            "branch_city": "Elkton",
            "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": 1,
        "people": [
          {
            "nmls_id": 137776,
            "full_name": "Cal Russell",
            "canonical_url": "https://lendb.ai/lo/cal-russell-137776",
            "branch_city": "Chadds Ford",
            "branch_state": "PA"
          }
        ]
      }
    },
    {
      "nmls_id": 71603,
      "name": "First Home Mortgage",
      "slug": "first-home-mortgage-71603",
      "canonical_url": "https://lendb.ai/lender/first-home-mortgage-71603",
      "loans": 2,
      "includes_brokered": false,
      "loan_officers": {
        "total": 12,
        "people": [
          {
            "nmls_id": 134824,
            "full_name": "Drew Gilmartin",
            "canonical_url": "https://lendb.ai/lo/andrew-gilmartin-134824",
            "branch_city": "Bel Air",
            "branch_state": "MD"
          },
          {
            "nmls_id": 173885,
            "full_name": "Tom Cumpston",
            "canonical_url": "https://lendb.ai/lo/thomas-cumpston-173885",
            "branch_city": "Bel Air",
            "branch_state": "MD"
          },
          {
            "nmls_id": 224067,
            "full_name": "Laura Reese",
            "canonical_url": "https://lendb.ai/lo/laura-reese-224067",
            "branch_city": "Bel Air",
            "branch_state": "MD"
          }
        ]
      }
    },
    {
      "nmls_id": 1591,
      "name": "Churchill Mortgage",
      "slug": "churchill-mortgage-1591",
      "canonical_url": "https://lendb.ai/lender/churchill-mortgage-1591",
      "loans": 1,
      "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": 1,
      "includes_brokered": true,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 13649,
      "name": "PrimeLending",
      "slug": "primelending-13649",
      "canonical_url": "https://lendb.ai/lender/primelending-13649",
      "loans": 1,
      "includes_brokered": false,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 75243,
      "name": "Paramount Residential Mortgage Group",
      "slug": "paramount-residential-mortgage-group-75243",
      "canonical_url": "https://lendb.ai/lender/paramount-residential-mortgage-group-75243",
      "loans": 1,
      "includes_brokered": true,
      "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."
}