{
  "canonical_url": "https://lendb.ai/in/north-carolina/cumberland-county/usda-loans",
  "summary": "These are lenders, not loan officers. Of the lenders LenDb lists, 12 funded USDA home loans in Cumberland County, NC in 2025, 13 loans in all, per HMDA, FFIEC/CFPB data. The most active were Veterans United Home Loans (2), Plaza Home Mortgage, Inc. (1) and Guaranteed Rate (Rate) (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 Cumberland County are linked below.",
  "county": {
    "fips": "37051",
    "name": "Cumberland County",
    "state": "NC"
  },
  "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": 12,
    "lenders_10": 0,
    "loans": 13,
    "qualifies": false
  },
  "lenders": [
    {
      "nmls_id": 1907,
      "name": "Veterans United Home Loans",
      "slug": "veterans-united-home-loans-1907",
      "canonical_url": "https://lendb.ai/lender/veterans-united-home-loans-1907",
      "loans": 2,
      "includes_brokered": false,
      "loan_officers": {
        "total": 7,
        "people": [
          {
            "nmls_id": 110667,
            "full_name": "Solibel Ramos",
            "canonical_url": "https://lendb.ai/lo/solibel-ramos-110667",
            "branch_city": "Fayetteville",
            "branch_state": "NC"
          },
          {
            "nmls_id": 1546500,
            "full_name": "Bob Doran",
            "canonical_url": "https://lendb.ai/lo/robert-doran-1546500",
            "branch_city": "Fayetteville",
            "branch_state": "NC"
          },
          {
            "nmls_id": 1955996,
            "full_name": "Chelsea Perkins",
            "canonical_url": "https://lendb.ai/lo/chelsea-perkins-1955996",
            "branch_city": "Fayetteville",
            "branch_state": "NC"
          }
        ]
      }
    },
    {
      "nmls_id": 2113,
      "name": "Plaza Home Mortgage, Inc.",
      "slug": "plaza-home-mortgage-inc-2113",
      "canonical_url": "https://lendb.ai/lender/plaza-home-mortgage-inc-2113",
      "loans": 1,
      "includes_brokered": true,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 2611,
      "name": "Guaranteed Rate (Rate)",
      "slug": "guaranteed-rate-2611",
      "canonical_url": "https://lendb.ai/lender/guaranteed-rate-2611",
      "loans": 1,
      "includes_brokered": false,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 2926,
      "name": "emm loans llc",
      "slug": "emm-loans-llc-2926",
      "canonical_url": "https://lendb.ai/lender/emm-loans-llc-2926",
      "loans": 1,
      "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": 1,
      "includes_brokered": true,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 3116,
      "name": "SecurityNational Mortgage Company",
      "slug": "securitynational-mortgage-company-3116",
      "canonical_url": "https://lendb.ai/lender/securitynational-mortgage-company-3116",
      "loans": 1,
      "includes_brokered": false,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "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": 40508,
      "name": "ALCOVA Mortgage",
      "slug": "alcova-mortgage-40508",
      "canonical_url": "https://lendb.ai/lender/alcova-mortgage-40508",
      "loans": 1,
      "includes_brokered": false,
      "loan_officers": {
        "total": 3,
        "people": [
          {
            "nmls_id": 642700,
            "full_name": "Matthew Reed",
            "canonical_url": "https://lendb.ai/lo/matthew-reed-642700",
            "branch_city": "Fayetteville",
            "branch_state": "NC"
          },
          {
            "nmls_id": 2619871,
            "full_name": "Dan Opirhory",
            "canonical_url": "https://lendb.ai/lo/dan-opirhory-2619871",
            "branch_city": "Fayetteville",
            "branch_state": "NC"
          },
          {
            "nmls_id": 2803985,
            "full_name": "John Wilke",
            "canonical_url": "https://lendb.ai/lo/johnathan-wilke-2803985",
            "branch_city": "Fayetteville",
            "branch_state": "NC"
          }
        ]
      }
    },
    {
      "nmls_id": 40561,
      "name": "American Security Mortgage Corp",
      "slug": "american-security-mortgage-corp-40561",
      "canonical_url": "https://lendb.ai/lender/american-security-mortgage-corp-40561",
      "loans": 1,
      "includes_brokered": false,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 104621,
      "name": "Consumer Real Estate Finance Co.",
      "slug": "consumer-real-estate-finance-co-104621",
      "canonical_url": "https://lendb.ai/lender/consumer-real-estate-finance-co-104621",
      "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."
}