{
  "canonical_url": "https://lendb.ai/in/maryland/cecil-county/va-loans",
  "summary": "These are lenders, not loan officers. Of the lenders LenDb lists, 51 funded VA home loans in Cecil County, MD in 2025, 226 loans in all, per HMDA, FFIEC/CFPB data. The most active were United Wholesale Mortgage (36), Veterans United Home Loans (24) and Freedom Mortgage (17). 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": "va",
  "year": 2025,
  "source": "HMDA, FFIEC/CFPB",
  "source_url": "https://ffiec.cfpb.gov/data-publication/snapshot-national-loan-level-dataset/2025",
  "totals": {
    "lenders": 51,
    "lenders_10": 5,
    "loans": 226,
    "qualifies": true
  },
  "lenders": [
    {
      "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": 36,
      "includes_brokered": true,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 1907,
      "name": "Veterans United Home Loans",
      "slug": "veterans-united-home-loans-1907",
      "canonical_url": "https://lendb.ai/lender/veterans-united-home-loans-1907",
      "loans": 24,
      "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": 17,
      "includes_brokered": false,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 3030,
      "name": "Rocket Mortgage",
      "slug": "rocket-mortgage-3030",
      "canonical_url": "https://lendb.ai/lender/rocket-mortgage-3030",
      "loans": 15,
      "includes_brokered": true,
      "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": 15,
      "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": 6666,
      "name": "Envoy Mortgage",
      "slug": "envoy-mortgage-6666",
      "canonical_url": "https://lendb.ai/lender/envoy-mortgage-6666",
      "loans": 8,
      "includes_brokered": false,
      "loan_officers": {
        "total": 3,
        "people": [
          {
            "nmls_id": 135512,
            "full_name": "Jake Smith",
            "canonical_url": "https://lendb.ai/lo/jake-smith-135512",
            "branch_city": "Bel Air",
            "branch_state": "MD"
          },
          {
            "nmls_id": 939869,
            "full_name": "Zachary Hayes",
            "canonical_url": "https://lendb.ai/lo/zachary-hayes-939869",
            "branch_city": "Bel Air",
            "branch_state": "MD"
          },
          {
            "nmls_id": 178135,
            "full_name": "Tiffany Moxley",
            "canonical_url": "https://lendb.ai/lo/tiffany-moxley-178135",
            "branch_city": "Bel Air",
            "branch_state": "MD"
          }
        ]
      }
    },
    {
      "nmls_id": 3317,
      "name": "Village Capital & Investment LLC",
      "slug": "village-capital-investment-llc-3317",
      "canonical_url": "https://lendb.ai/lender/village-capital-investment-llc-3317",
      "loans": 7,
      "includes_brokered": false,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 3013,
      "name": "Newrez",
      "slug": "newrez-3013",
      "canonical_url": "https://lendb.ai/lender/newrez-3013",
      "loans": 6,
      "includes_brokered": true,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 399807,
      "name": "Navy Federal Credit Union",
      "slug": "navy-federal-399807",
      "canonical_url": "https://lendb.ai/lender/navy-federal-399807",
      "loans": 6,
      "includes_brokered": false,
      "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": 5,
      "includes_brokered": false,
      "loan_officers": {
        "total": 18,
        "people": [
          {
            "nmls_id": 116015,
            "full_name": "Peter Sotirakos",
            "canonical_url": "https://lendb.ai/lo/panagiotis-sotirakos-116015",
            "branch_city": "Bel Air",
            "branch_state": "MD"
          },
          {
            "nmls_id": 109796,
            "full_name": "Suzy Reed",
            "canonical_url": "https://lendb.ai/lo/suzy-reed-109796",
            "branch_city": "Bel Air",
            "branch_state": "MD"
          },
          {
            "nmls_id": 130943,
            "full_name": "Tom Soltis",
            "canonical_url": "https://lendb.ai/lo/tom-soltis-130943",
            "branch_city": "Bel Air",
            "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."
}