{
  "canonical_url": "https://lendb.ai/in/maryland/harford-county/usda-loans",
  "summary": "These are lenders, not loan officers. Of the lenders LenDb lists, 8 funded USDA home loans in Harford County, MD in 2025, 10 loans in all, per HMDA, FFIEC/CFPB data. The most active were CMG Home Loans (3), Fairway Independent Mortgage Corporation (1) and United Wholesale 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 Harford County are linked below.",
  "county": {
    "fips": "24025",
    "name": "Harford 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": 8,
    "lenders_10": 0,
    "loans": 10,
    "qualifies": false
  },
  "lenders": [
    {
      "nmls_id": 1820,
      "name": "CMG Home Loans",
      "slug": "cmg-home-loans-1820",
      "canonical_url": "https://lendb.ai/lender/cmg-home-loans-1820",
      "loans": 3,
      "includes_brokered": false,
      "loan_officers": {
        "total": 11,
        "people": [
          {
            "nmls_id": 476327,
            "full_name": "Baron Scarlett, Jr.",
            "canonical_url": "https://lendb.ai/lo/baron-scarlettjr-476327",
            "branch_city": "Towson",
            "branch_state": "MD"
          },
          {
            "nmls_id": 789382,
            "full_name": "Stuart Epstein",
            "canonical_url": "https://lendb.ai/lo/stuart-epstein-789382",
            "branch_city": "Towson",
            "branch_state": "MD"
          },
          {
            "nmls_id": 193157,
            "full_name": "George Flower",
            "canonical_url": "https://lendb.ai/lo/george-flower-193157",
            "branch_city": "Towson",
            "branch_state": "MD"
          }
        ]
      }
    },
    {
      "nmls_id": 2289,
      "name": "Fairway Independent Mortgage Corporation",
      "slug": "fairway-independent-mortgage-2289",
      "canonical_url": "https://lendb.ai/lender/fairway-independent-mortgage-2289",
      "loans": 1,
      "includes_brokered": false,
      "loan_officers": {
        "total": 21,
        "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"
          }
        ]
      }
    },
    {
      "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": 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": 5,
        "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": 147143,
            "full_name": "Kim Pettitt",
            "canonical_url": "https://lendb.ai/lo/kim-pettitt-147143",
            "branch_city": "Elkton",
            "branch_state": "MD"
          }
        ]
      }
    },
    {
      "nmls_id": 133519,
      "name": "Hometown Equity Mortgage, LLC",
      "slug": "hometown-equity-mortgage-llc-133519",
      "canonical_url": "https://lendb.ai/lender/hometown-equity-mortgage-llc-133519",
      "loans": 1,
      "includes_brokered": false,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 150009,
      "name": "Click n' Close, Inc.",
      "slug": "click-n-close-inc-150009",
      "canonical_url": "https://lendb.ai/lender/click-n-close-inc-150009",
      "loans": 1,
      "includes_brokered": false,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 512138,
      "name": "TowneBank Mortgage",
      "slug": "townebank-mortgage-512138",
      "canonical_url": "https://lendb.ai/lender/townebank-mortgage-512138",
      "loans": 1,
      "includes_brokered": false,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 878490,
      "name": "Credence Funding Corporation",
      "slug": "credence-funding-corporation-878490",
      "canonical_url": "https://lendb.ai/lender/credence-funding-corporation-878490",
      "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."
}