{
  "canonical_url": "https://lendb.ai/in/north-carolina/clay-county/conventional-loans",
  "summary": "These are lenders, not loan officers. Of the lenders LenDb lists, 38 funded conventional home loans in Clay County, NC in 2025, 107 loans in all, per HMDA, FFIEC/CFPB data. The most active were Rocket Mortgage (18), State Employees' Credit Union (NC) (17) and Union Home Mortgage (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 Clay County are linked below.",
  "county": {
    "fips": "37043",
    "name": "Clay County",
    "state": "NC"
  },
  "loan_type": "conventional",
  "year": 2025,
  "source": "HMDA, FFIEC/CFPB",
  "source_url": "https://ffiec.cfpb.gov/data-publication/snapshot-national-loan-level-dataset/2025",
  "totals": {
    "lenders": 38,
    "lenders_10": 3,
    "loans": 107,
    "qualifies": true
  },
  "lenders": [
    {
      "nmls_id": 3030,
      "name": "Rocket Mortgage",
      "slug": "rocket-mortgage-3030",
      "canonical_url": "https://lendb.ai/lender/rocket-mortgage-3030",
      "loans": 18,
      "includes_brokered": true,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 430055,
      "name": "State Employees' Credit Union (NC)",
      "slug": "state-employees-credit-union-430055",
      "canonical_url": "https://lendb.ai/lender/state-employees-credit-union-430055",
      "loans": 17,
      "includes_brokered": false,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 2229,
      "name": "Union Home Mortgage",
      "slug": "union-home-mortgage-2229",
      "canonical_url": "https://lendb.ai/lender/union-home-mortgage-2229",
      "loans": 10,
      "includes_brokered": true,
      "loan_officers": {
        "total": 6,
        "people": [
          {
            "nmls_id": 69575,
            "full_name": "Luree Pavis",
            "canonical_url": "https://lendb.ai/lo/harriet-pavis-69575",
            "branch_city": "Franklin",
            "branch_state": "NC"
          },
          {
            "nmls_id": 1119220,
            "full_name": "Rae Killian",
            "canonical_url": "https://lendb.ai/lo/rae-killian-1119220",
            "branch_city": "Franklin",
            "branch_state": "NC"
          },
          {
            "nmls_id": 1576064,
            "full_name": "Jason Rogers",
            "canonical_url": "https://lendb.ai/lo/jason-rogers-1576064",
            "branch_city": "Franklin",
            "branch_state": "NC"
          }
        ]
      }
    },
    {
      "nmls_id": 1561,
      "name": "Vanderbilt Mortgage and Finance, Inc.",
      "slug": "vanderbilt-mortgage-and-finance-inc-1561",
      "canonical_url": "https://lendb.ai/lender/vanderbilt-mortgage-and-finance-inc-1561",
      "loans": 7,
      "includes_brokered": false,
      "loan_officers": {
        "total": 2,
        "people": [
          {
            "nmls_id": 190999,
            "full_name": "Jennifer Johnson",
            "canonical_url": "https://lendb.ai/lo/jennifer-johnson-190999",
            "branch_city": "Blairsville",
            "branch_state": "GA"
          },
          {
            "nmls_id": 2842224,
            "full_name": "Autumn Johnson Pate",
            "canonical_url": "https://lendb.ai/lo/autumn-johnson-pate-2842224",
            "branch_city": "Blairsville",
            "branch_state": "GA"
          }
        ]
      }
    },
    {
      "nmls_id": 629700,
      "name": "First Community Mortgage",
      "slug": "first-community-mortgage-629700",
      "canonical_url": "https://lendb.ai/lender/first-community-mortgage-629700",
      "loans": 5,
      "includes_brokered": true,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 2280,
      "name": "21st Mortgage Corporation",
      "slug": "21st-mortgage-corporation-2280",
      "canonical_url": "https://lendb.ai/lender/21st-mortgage-corporation-2280",
      "loans": 4,
      "includes_brokered": false,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 103098,
      "name": "PFN Lending Group, Inc.",
      "slug": "pfn-lending-group-inc-103098",
      "canonical_url": "https://lendb.ai/lender/pfn-lending-group-inc-103098",
      "loans": 4,
      "includes_brokered": false,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 3013,
      "name": "Newrez",
      "slug": "newrez-3013",
      "canonical_url": "https://lendb.ai/lender/newrez-3013",
      "loans": 3,
      "includes_brokered": true,
      "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": 3,
      "includes_brokered": true,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 1063,
      "name": "Triad Financial Services, Inc.",
      "slug": "triad-financial-services-inc-1063",
      "canonical_url": "https://lendb.ai/lender/triad-financial-services-inc-1063",
      "loans": 2,
      "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."
}