{
  "canonical_url": "https://lendb.ai/in/maryland/talbot-county/usda-loans",
  "summary": "These are lenders, not loan officers. Of the lenders LenDb lists, 5 funded USDA home loans in Talbot County, MD in 2025, 5 loans in all, per HMDA, FFIEC/CFPB data. The most active were Lennar Mortgage (1), CrossCountry Mortgage (1) and Equity Prime Mortgage LLC (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 Talbot County are linked below.",
  "county": {
    "fips": "24041",
    "name": "Talbot 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": 5,
    "lenders_10": 0,
    "loans": 5,
    "qualifies": false
  },
  "lenders": [
    {
      "nmls_id": 1058,
      "name": "Lennar Mortgage",
      "slug": "lennar-mortgage-1058",
      "canonical_url": "https://lendb.ai/lender/lennar-mortgage-1058",
      "loans": 1,
      "includes_brokered": false,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 3029,
      "name": "CrossCountry Mortgage",
      "slug": "crosscountry-mortgage-3029",
      "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
      "loans": 1,
      "includes_brokered": false,
      "loan_officers": {
        "total": 12,
        "people": [
          {
            "nmls_id": 199611,
            "full_name": "James Johnson",
            "canonical_url": "https://lendb.ai/lo/james-johnson-199611",
            "branch_city": "Dunkirk",
            "branch_state": "MD"
          },
          {
            "nmls_id": 216306,
            "full_name": "Mark Niosi",
            "canonical_url": "https://lendb.ai/lo/mark-niosi-216306",
            "branch_city": "Dunkirk",
            "branch_state": "MD"
          },
          {
            "nmls_id": 459790,
            "full_name": "Stan Carlyle",
            "canonical_url": "https://lendb.ai/lo/stan-carlyle-459790",
            "branch_city": "Dunkirk",
            "branch_state": "MD"
          }
        ]
      }
    },
    {
      "nmls_id": 21116,
      "name": "Equity Prime Mortgage LLC",
      "slug": "equity-prime-mortgage-llc-21116",
      "canonical_url": "https://lendb.ai/lender/equity-prime-mortgage-llc-21116",
      "loans": 1,
      "includes_brokered": false,
      "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": 1,
      "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": 832799,
      "name": "Direct Mortgage Loans",
      "slug": "direct-mortgage-loans-832799",
      "canonical_url": "https://lendb.ai/lender/direct-mortgage-loans-832799",
      "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."
}