{
  "canonical_url": "https://lendb.ai/in/north-carolina/clay-county/fha-loans",
  "summary": "These are lenders, not loan officers. Of the lenders LenDb lists, 8 funded FHA home loans in Clay County, NC in 2025, 17 loans in all, per HMDA, FFIEC/CFPB data. The most active were Rocket Mortgage (4), Union Home Mortgage (3) and United Wholesale Mortgage (3). 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": "fha",
  "year": 2025,
  "source": "HMDA, FFIEC/CFPB",
  "source_url": "https://ffiec.cfpb.gov/data-publication/snapshot-national-loan-level-dataset/2025",
  "totals": {
    "lenders": 8,
    "lenders_10": 0,
    "loans": 17,
    "qualifies": false
  },
  "lenders": [
    {
      "nmls_id": 3030,
      "name": "Rocket Mortgage",
      "slug": "rocket-mortgage-3030",
      "canonical_url": "https://lendb.ai/lender/rocket-mortgage-3030",
      "loans": 4,
      "includes_brokered": true,
      "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": 3,
      "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": 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": 2767,
      "name": "Freedom Mortgage",
      "slug": "freedom-mortgage-2767",
      "canonical_url": "https://lendb.ai/lender/freedom-mortgage-2767",
      "loans": 2,
      "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": 2,
      "includes_brokered": false,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 3274,
      "name": "Guild Mortgage",
      "slug": "guild-mortgage-3274",
      "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
      "loans": 1,
      "includes_brokered": false,
      "loan_officers": {
        "total": 2,
        "people": [
          {
            "nmls_id": 1942573,
            "full_name": "Shane Burns",
            "canonical_url": "https://lendb.ai/lo/shane-burns-1942573",
            "branch_city": "Clayton",
            "branch_state": "GA"
          },
          {
            "nmls_id": 2637777,
            "full_name": "Jenna Kretzer",
            "canonical_url": "https://lendb.ai/lo/jenna-kretzer-2637777",
            "branch_city": "Clayton",
            "branch_state": "GA"
          }
        ]
      }
    },
    {
      "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": 629700,
      "name": "First Community Mortgage",
      "slug": "first-community-mortgage-629700",
      "canonical_url": "https://lendb.ai/lender/first-community-mortgage-629700",
      "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."
}