{
  "canonical_url": "https://lendb.ai/in/maryland/talbot-county/fha-loans",
  "summary": "These are lenders, not loan officers. Of the lenders LenDb lists, 28 funded FHA home loans in Talbot County, MD in 2025, 71 loans in all, per HMDA, FFIEC/CFPB data. The most active were United Wholesale Mortgage (10), First Home Mortgage (10) and Lennar Mortgage (7). Lenders LenDb does not list yet, and lenders below the HMDA reporting thresholds, are not counted. Loan officers LenDb lists at each lender near Talbot County are linked below.",
  "county": {
    "fips": "24041",
    "name": "Talbot County",
    "state": "MD"
  },
  "loan_type": "fha",
  "year": 2025,
  "source": "HMDA, FFIEC/CFPB",
  "source_url": "https://ffiec.cfpb.gov/data-publication/snapshot-national-loan-level-dataset/2025",
  "totals": {
    "lenders": 28,
    "lenders_10": 2,
    "loans": 71,
    "qualifies": false
  },
  "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": 10,
      "includes_brokered": true,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 71603,
      "name": "First Home Mortgage",
      "slug": "first-home-mortgage-71603",
      "canonical_url": "https://lendb.ai/lender/first-home-mortgage-71603",
      "loans": 10,
      "includes_brokered": false,
      "loan_officers": {
        "total": 28,
        "people": [
          {
            "nmls_id": 1375134,
            "full_name": "Shane Gunther",
            "canonical_url": "https://lendb.ai/lo/shane-gunther-1375134",
            "branch_city": "Easton",
            "branch_state": "MD"
          },
          {
            "nmls_id": 1558861,
            "full_name": "Tom Draper",
            "canonical_url": "https://lendb.ai/lo/thomas-draper-1558861",
            "branch_city": "Easton",
            "branch_state": "MD"
          },
          {
            "nmls_id": 71222,
            "full_name": "Jeff Halbert",
            "canonical_url": "https://lendb.ai/lo/jeffrey-halbert-71222",
            "branch_city": "Dunkirk",
            "branch_state": "MD"
          }
        ]
      }
    },
    {
      "nmls_id": 1058,
      "name": "Lennar Mortgage",
      "slug": "lennar-mortgage-1058",
      "canonical_url": "https://lendb.ai/lender/lennar-mortgage-1058",
      "loans": 7,
      "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": 6,
      "includes_brokered": true,
      "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": 4,
      "includes_brokered": false,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "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": 9,
        "people": [
          {
            "nmls_id": 144182,
            "full_name": "Diedra Schaefer",
            "canonical_url": "https://lendb.ai/lo/diedra-schaefer-144182",
            "branch_city": "Annapolis",
            "branch_state": "MD"
          },
          {
            "nmls_id": 185597,
            "full_name": "Sean Lyon",
            "canonical_url": "https://lendb.ai/lo/sean-lyon-185597",
            "branch_city": "Annapolis",
            "branch_state": "MD"
          },
          {
            "nmls_id": 195916,
            "full_name": "Michelle Mathews-Kalinock",
            "canonical_url": "https://lendb.ai/lo/michelle-mathewskalinock-195916",
            "branch_city": "Annapolis",
            "branch_state": "MD"
          }
        ]
      }
    },
    {
      "nmls_id": 2893,
      "name": "NFM Lending",
      "slug": "nfm-lending-2893",
      "canonical_url": "https://lendb.ai/lender/nfm-lending-2893",
      "loans": 3,
      "includes_brokered": false,
      "loan_officers": {
        "total": 5,
        "people": [
          {
            "nmls_id": 169216,
            "full_name": "Bart Rein",
            "canonical_url": "https://lendb.ai/lo/bart-rein-169216",
            "branch_city": "Annapolis",
            "branch_state": "MD"
          },
          {
            "nmls_id": 184456,
            "full_name": "Mike Lynch",
            "canonical_url": "https://lendb.ai/lo/mike-lynch-184456",
            "branch_city": "Annapolis",
            "branch_state": "MD"
          },
          {
            "nmls_id": 197371,
            "full_name": "Susana Rudd",
            "canonical_url": "https://lendb.ai/lo/susana-rudd-197371",
            "branch_city": "Annapolis",
            "branch_state": "MD"
          }
        ]
      }
    },
    {
      "nmls_id": 39610,
      "name": "Bay Capital Mortgage Corporation",
      "slug": "bay-capital-mortgage-corporation-39610",
      "canonical_url": "https://lendb.ai/lender/bay-capital-mortgage-corporation-39610",
      "loans": 3,
      "includes_brokered": false,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 174457,
      "name": "loanDepot",
      "slug": "loandepot-174457",
      "canonical_url": "https://lendb.ai/lender/loandepot-174457",
      "loans": 3,
      "includes_brokered": false,
      "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": 2,
      "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."
}