{
  "canonical_url": "https://lendb.ai/in/maryland/kent-county/usda-loans",
  "summary": "These are lenders, not loan officers. Of the lenders LenDb lists, 7 funded USDA home loans in Kent County, MD in 2025, 11 loans in all, per HMDA, FFIEC/CFPB data. The most active were Atlantic Coast Mortgage (4), Guild Mortgage (2) and MLD Mortgage Inc. (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 Kent County are linked below.",
  "county": {
    "fips": "24029",
    "name": "Kent 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": 0,
    "loans": 11,
    "qualifies": false
  },
  "lenders": [
    {
      "nmls_id": 643114,
      "name": "Atlantic Coast Mortgage",
      "slug": "atlantic-coast-mortgage-643114",
      "canonical_url": "https://lendb.ai/lender/atlantic-coast-mortgage-643114",
      "loans": 4,
      "includes_brokered": false,
      "loan_officers": {
        "total": 2,
        "people": [
          {
            "nmls_id": 334154,
            "full_name": "Dinah Riordan",
            "canonical_url": "https://lendb.ai/lo/dinah-riordan-334154",
            "branch_city": "Chestertown",
            "branch_state": "MD"
          },
          {
            "nmls_id": 1959533,
            "full_name": "Kristin Deems",
            "canonical_url": "https://lendb.ai/lo/kristin-deems-1959533",
            "branch_city": "Chestertown",
            "branch_state": "MD"
          }
        ]
      }
    },
    {
      "nmls_id": 3274,
      "name": "Guild Mortgage",
      "slug": "guild-mortgage-3274",
      "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
      "loans": 2,
      "includes_brokered": false,
      "loan_officers": {
        "total": 11,
        "people": [
          {
            "nmls_id": 476425,
            "full_name": "Kathy Brennan",
            "canonical_url": "https://lendb.ai/lo/kathleen-brennan-476425",
            "branch_city": "Glen Burnie",
            "branch_state": "MD"
          },
          {
            "nmls_id": 769427,
            "full_name": "Melinda Topjian",
            "canonical_url": "https://lendb.ai/lo/melinda-topjian-769427",
            "branch_city": "Glen Burnie",
            "branch_state": "MD"
          },
          {
            "nmls_id": 476381,
            "full_name": "Carol Smith",
            "canonical_url": "https://lendb.ai/lo/carol-smith-476381",
            "branch_city": "Middletown",
            "branch_state": "DE"
          }
        ]
      }
    },
    {
      "nmls_id": 1019,
      "name": "MLD Mortgage Inc.",
      "slug": "mld-mortgage-inc-1019",
      "canonical_url": "https://lendb.ai/lender/mld-mortgage-inc-1019",
      "loans": 1,
      "includes_brokered": false,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "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": 2826,
      "name": "American Financial Resources, LLC",
      "slug": "american-financial-resources-llc-2826",
      "canonical_url": "https://lendb.ai/lender/american-financial-resources-llc-2826",
      "loans": 1,
      "includes_brokered": true,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 35953,
      "name": "Pennymac",
      "slug": "pennymac-35953",
      "canonical_url": "https://lendb.ai/lender/pennymac-35953",
      "loans": 1,
      "includes_brokered": true,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 237341,
      "name": "American Financial Network",
      "slug": "american-financial-network-237341",
      "canonical_url": "https://lendb.ai/lender/american-financial-network-237341",
      "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."
}