{
  "canonical_url": "https://lendb.ai/in/maryland/garrett-county/usda-loans",
  "summary": "These are lenders, not loan officers. Of the lenders LenDb lists, 2 funded USDA home loans in Garrett County, MD in 2025, 2 loans in all, per HMDA, FFIEC/CFPB data. The most active were Homebridge Financial Services (1) and ALCOVA Mortgage (1). Lenders LenDb does not list yet, and lenders below the HMDA reporting thresholds, are not counted. Loan officers LenDb lists at each lender near Garrett County are linked below.",
  "county": {
    "fips": "24023",
    "name": "Garrett 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": 2,
    "lenders_10": 0,
    "loans": 2,
    "qualifies": false
  },
  "lenders": [
    {
      "nmls_id": 6521,
      "name": "Homebridge Financial Services",
      "slug": "homebridge-financial-services-6521",
      "canonical_url": "https://lendb.ai/lender/homebridge-financial-services-6521",
      "loans": 1,
      "includes_brokered": true,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 40508,
      "name": "ALCOVA Mortgage",
      "slug": "alcova-mortgage-40508",
      "canonical_url": "https://lendb.ai/lender/alcova-mortgage-40508",
      "loans": 1,
      "includes_brokered": false,
      "loan_officers": {
        "total": 3,
        "people": [
          {
            "nmls_id": 756543,
            "full_name": "Jody Emerick",
            "canonical_url": "https://lendb.ai/lo/jody-emerick-756543",
            "branch_city": "Cumberland",
            "branch_state": "MD"
          },
          {
            "nmls_id": 934863,
            "full_name": "Jason Inglish",
            "canonical_url": "https://lendb.ai/lo/jason-inglish-934863",
            "branch_city": "Cumberland",
            "branch_state": "MD"
          },
          {
            "nmls_id": 2019366,
            "full_name": "Joshua Morgart",
            "canonical_url": "https://lendb.ai/lo/joshua-morgart-2019366",
            "branch_city": "Cumberland",
            "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."
}