{
  "canonical_url": "https://lendb.ai/in/maryland/howard-county/usda-loans",
  "summary": "These are lenders, not loan officers. Of the lenders LenDb lists, 2 funded USDA home loans in Howard County, MD in 2025, 2 loans in all, per HMDA, FFIEC/CFPB data. The most active were CMG Home Loans (1) and First Heritage 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 Howard County are linked below.",
  "county": {
    "fips": "24027",
    "name": "Howard 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": 1820,
      "name": "CMG Home Loans",
      "slug": "cmg-home-loans-1820",
      "canonical_url": "https://lendb.ai/lender/cmg-home-loans-1820",
      "loans": 1,
      "includes_brokered": false,
      "loan_officers": {
        "total": 26,
        "people": [
          {
            "nmls_id": 216745,
            "full_name": "Shawn C. Williams",
            "canonical_url": "https://lendb.ai/lo/shawn-williams-216745",
            "branch_city": "College Park",
            "branch_state": "MD"
          },
          {
            "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": 86548,
      "name": "First Heritage Mortgage",
      "slug": "first-heritage-mortgage-86548",
      "canonical_url": "https://lendb.ai/lender/first-heritage-mortgage-86548",
      "loans": 1,
      "includes_brokered": false,
      "loan_officers": {
        "total": 11,
        "people": [
          {
            "nmls_id": 1415391,
            "full_name": "Jeffrey Novotny",
            "canonical_url": "https://lendb.ai/lo/jeffrey-novotny-1415391",
            "branch_city": "Gaithersburg",
            "branch_state": "MD"
          },
          {
            "nmls_id": 187417,
            "full_name": "Paul Lancaster",
            "canonical_url": "https://lendb.ai/lo/paul-lancaster-187417",
            "branch_city": "Rockville",
            "branch_state": "MD"
          },
          {
            "nmls_id": 206870,
            "full_name": "Eric Suissa",
            "canonical_url": "https://lendb.ai/lo/eric-suissa-206870",
            "branch_city": "Rockville",
            "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."
}