{
  "canonical_url": "https://lendb.ai/in/north-carolina/lincoln-county/usda-loans",
  "summary": "These are lenders, not loan officers. Of the lenders LenDb lists, 10 funded USDA home loans in Lincoln County, NC in 2025, 18 loans in all, per HMDA, FFIEC/CFPB data. The most active were CrossCountry Mortgage (4), Atlantic Bay Mortgage Group (4) and Guild Mortgage (2). Lenders LenDb does not list yet, and lenders below the HMDA reporting thresholds, are not counted. Loan officers LenDb lists at each lender near Lincoln County are linked below.",
  "county": {
    "fips": "37109",
    "name": "Lincoln 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": 10,
    "lenders_10": 0,
    "loans": 18,
    "qualifies": false
  },
  "lenders": [
    {
      "nmls_id": 3029,
      "name": "CrossCountry Mortgage",
      "slug": "crosscountry-mortgage-3029",
      "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
      "loans": 4,
      "includes_brokered": false,
      "loan_officers": {
        "total": 33,
        "people": [
          {
            "nmls_id": 85124,
            "full_name": "George Wise",
            "canonical_url": "https://lendb.ai/lo/george-wise-85124",
            "branch_city": "Cornelius",
            "branch_state": "NC"
          },
          {
            "nmls_id": 113131,
            "full_name": "Katie Seagle",
            "canonical_url": "https://lendb.ai/lo/kathryn-seagle-113131",
            "branch_city": "Cornelius",
            "branch_state": "NC"
          },
          {
            "nmls_id": 254449,
            "full_name": "Audrey Hutton",
            "canonical_url": "https://lendb.ai/lo/audrey-hutton-254449",
            "branch_city": "Cornelius",
            "branch_state": "NC"
          }
        ]
      }
    },
    {
      "nmls_id": 72043,
      "name": "Atlantic Bay Mortgage Group",
      "slug": "atlantic-bay-mortgage-group-72043",
      "canonical_url": "https://lendb.ai/lender/atlantic-bay-mortgage-group-72043",
      "loans": 4,
      "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": 2,
      "includes_brokered": false,
      "loan_officers": {
        "total": 11,
        "people": [
          {
            "nmls_id": 116326,
            "full_name": "Bonnie Lynne Marshall",
            "canonical_url": "https://lendb.ai/lo/bonnie-marshall-116326",
            "branch_city": "Cornelius",
            "branch_state": "NC"
          },
          {
            "nmls_id": 575159,
            "full_name": "Jennifer Kessler",
            "canonical_url": "https://lendb.ai/lo/jennifer-kessler-575159",
            "branch_city": "Cornelius",
            "branch_state": "NC"
          },
          {
            "nmls_id": 1032546,
            "full_name": "Tara Attwood",
            "canonical_url": "https://lendb.ai/lo/tara-attwood-1032546",
            "branch_city": "Cornelius",
            "branch_state": "NC"
          }
        ]
      }
    },
    {
      "nmls_id": 39179,
      "name": "Movement Mortgage",
      "slug": "movement-mortgage-39179",
      "canonical_url": "https://lendb.ai/lender/movement-mortgage-39179",
      "loans": 2,
      "includes_brokered": false,
      "loan_officers": {
        "total": 53,
        "people": [
          {
            "nmls_id": 79638,
            "full_name": "Ruth Shrader",
            "canonical_url": "https://lendb.ai/lo/ruth-shrader-79638",
            "branch_city": "Denver",
            "branch_state": "NC"
          },
          {
            "nmls_id": 115932,
            "full_name": "David Millsaps",
            "canonical_url": "https://lendb.ai/lo/david-millsaps-115932",
            "branch_city": "Gastonia",
            "branch_state": "NC"
          },
          {
            "nmls_id": 1038909,
            "full_name": "Sonja Dorman",
            "canonical_url": "https://lendb.ai/lo/sonja-dorman-1038909",
            "branch_city": "Gastonia",
            "branch_state": "NC"
          }
        ]
      }
    },
    {
      "nmls_id": 1850,
      "name": "American Pacific Mortgage",
      "slug": "american-pacific-mortgage-1850",
      "canonical_url": "https://lendb.ai/lender/american-pacific-mortgage-1850",
      "loans": 1,
      "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": 1,
      "includes_brokered": true,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 14622,
      "name": "DHI Mortgage",
      "slug": "dhi-mortgage-14622",
      "canonical_url": "https://lendb.ai/lender/dhi-mortgage-14622",
      "loans": 1,
      "includes_brokered": false,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 237341,
      "name": "American Financial Network",
      "slug": "american-financial-network-237341",
      "canonical_url": "https://lendb.ai/lender/american-financial-network-237341",
      "loans": 1,
      "includes_brokered": true,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 403245,
      "name": "Fifth Third Bank",
      "slug": "fifth-third-bank-403245",
      "canonical_url": "https://lendb.ai/lender/fifth-third-bank-403245",
      "loans": 1,
      "includes_brokered": false,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 1564276,
      "name": "Inspire Home Loans Inc.",
      "slug": "inspire-home-loans-inc-1564276",
      "canonical_url": "https://lendb.ai/lender/inspire-home-loans-inc-1564276",
      "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."
}