{
  "canonical_url": "https://lendb.ai/in/maryland/worcester-county/fha-loans",
  "summary": "These are lenders, not loan officers. Of the lenders LenDb lists, 41 funded FHA home loans in Worcester County, MD in 2025, 118 loans in all, per HMDA, FFIEC/CFPB data. The most active were Rocket Mortgage (13), Embrace Home Loans (10) and Direct Mortgage Loans (10). Lenders LenDb does not list yet, and lenders below the HMDA reporting thresholds, are not counted. Loan officers LenDb lists at each lender near Worcester County are linked below.",
  "county": {
    "fips": "24047",
    "name": "Worcester 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": 41,
    "lenders_10": 3,
    "loans": 118,
    "qualifies": true
  },
  "lenders": [
    {
      "nmls_id": 3030,
      "name": "Rocket Mortgage",
      "slug": "rocket-mortgage-3030",
      "canonical_url": "https://lendb.ai/lender/rocket-mortgage-3030",
      "loans": 13,
      "includes_brokered": true,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 2184,
      "name": "Embrace Home Loans",
      "slug": "embrace-home-loans-2184",
      "canonical_url": "https://lendb.ai/lender/embrace-home-loans-2184",
      "loans": 10,
      "includes_brokered": false,
      "loan_officers": {
        "total": 5,
        "people": [
          {
            "nmls_id": 366127,
            "full_name": "Jason Cook",
            "canonical_url": "https://lendb.ai/lo/jason-cook-366127",
            "branch_city": "Ocean City",
            "branch_state": "MD"
          },
          {
            "nmls_id": 2824202,
            "full_name": "Brandon Owens",
            "canonical_url": "https://lendb.ai/lo/brandon-owens-2824202",
            "branch_city": "Ocean City",
            "branch_state": "MD"
          },
          {
            "nmls_id": 1120368,
            "full_name": "Tripper Heckscher",
            "canonical_url": "https://lendb.ai/lo/maurice-heckscher-1120368",
            "branch_city": "Delmar",
            "branch_state": "DE"
          }
        ]
      }
    },
    {
      "nmls_id": 832799,
      "name": "Direct Mortgage Loans",
      "slug": "direct-mortgage-loans-832799",
      "canonical_url": "https://lendb.ai/lender/direct-mortgage-loans-832799",
      "loans": 10,
      "includes_brokered": false,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "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": 8,
      "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": 7,
      "includes_brokered": false,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 39179,
      "name": "Movement Mortgage",
      "slug": "movement-mortgage-39179",
      "canonical_url": "https://lendb.ai/lender/movement-mortgage-39179",
      "loans": 7,
      "includes_brokered": false,
      "loan_officers": {
        "total": 16,
        "people": [
          {
            "nmls_id": 585284,
            "full_name": "Ken Lee",
            "canonical_url": "https://lendb.ai/lo/kenneth-lee-585284",
            "branch_city": "Salisbury",
            "branch_state": "MD"
          },
          {
            "nmls_id": 1110910,
            "full_name": "Liz Buckley",
            "canonical_url": "https://lendb.ai/lo/elizabeth-buckley-1110910",
            "branch_city": "Salisbury",
            "branch_state": "MD"
          },
          {
            "nmls_id": 142997,
            "full_name": "Kenny Parr",
            "canonical_url": "https://lendb.ai/lo/kenneth-parr-142997",
            "branch_city": "Ocean City",
            "branch_state": "MD"
          }
        ]
      }
    },
    {
      "nmls_id": 1820,
      "name": "CMG Home Loans",
      "slug": "cmg-home-loans-1820",
      "canonical_url": "https://lendb.ai/lender/cmg-home-loans-1820",
      "loans": 5,
      "includes_brokered": false,
      "loan_officers": {
        "total": 6,
        "people": [
          {
            "nmls_id": 4518,
            "full_name": "Dean Vaughan",
            "canonical_url": "https://lendb.ai/lo/dean-vaughan-4518",
            "branch_city": "Ocean City",
            "branch_state": "MD"
          },
          {
            "nmls_id": 884633,
            "full_name": "Joshua Hudson",
            "canonical_url": "https://lendb.ai/lo/joshua-hudson-884633",
            "branch_city": "Ocean City",
            "branch_state": "MD"
          },
          {
            "nmls_id": 1148351,
            "full_name": "Sam Kotzur",
            "canonical_url": "https://lendb.ai/lo/samuel-kotzur-1148351",
            "branch_city": "Ocean City",
            "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": 5,
      "includes_brokered": false,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 1281698,
      "name": "Luminate Bank",
      "slug": "luminate-bank-1281698",
      "canonical_url": "https://lendb.ai/lender/luminate-bank-1281698",
      "loans": 4,
      "includes_brokered": false,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 1127,
      "name": "NVR Mortgage",
      "slug": "nvr-mortgage-1127",
      "canonical_url": "https://lendb.ai/lender/nvr-mortgage-1127",
      "loans": 3,
      "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."
}