{
  "canonical_url": "https://lendb.ai/in/north-carolina/mcdowell-county/conventional-loans",
  "summary": "These are lenders, not loan officers. Of the lenders LenDb lists, 66 funded conventional home loans in McDowell County, NC in 2025, 393 loans in all, per HMDA, FFIEC/CFPB data. The most active were State Employees' Credit Union (NC) (109), Rocket Mortgage (47) and Movement Mortgage (38). Lenders LenDb does not list yet, and lenders below the HMDA reporting thresholds, are not counted. Loan officers LenDb lists at each lender near McDowell County are linked below.",
  "county": {
    "fips": "37111",
    "name": "McDowell 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": 66,
    "lenders_10": 7,
    "loans": 393,
    "qualifies": true
  },
  "lenders": [
    {
      "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": 109,
      "includes_brokered": false,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 3030,
      "name": "Rocket Mortgage",
      "slug": "rocket-mortgage-3030",
      "canonical_url": "https://lendb.ai/lender/rocket-mortgage-3030",
      "loans": 47,
      "includes_brokered": true,
      "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": 38,
      "includes_brokered": false,
      "loan_officers": {
        "total": 8,
        "people": [
          {
            "nmls_id": 758470,
            "full_name": "Natalie Contas",
            "canonical_url": "https://lendb.ai/lo/natalie-contas-758470",
            "branch_city": "Morganton",
            "branch_state": "NC"
          },
          {
            "nmls_id": 1841991,
            "full_name": "Rick Dunkerley",
            "canonical_url": "https://lendb.ai/lo/richard-dunkerley-1841991",
            "branch_city": "Hendersonville",
            "branch_state": "NC"
          },
          {
            "nmls_id": 271053,
            "full_name": "Missy Baker",
            "canonical_url": "https://lendb.ai/lo/melissa-baker-271053",
            "branch_city": "Asheville",
            "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": 21,
      "includes_brokered": false,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "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": 21,
      "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": 16,
      "includes_brokered": true,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 66247,
      "name": "Cardinal Financial Company",
      "slug": "cardinal-financial-66247",
      "canonical_url": "https://lendb.ai/lender/cardinal-financial-66247",
      "loans": 15,
      "includes_brokered": true,
      "loan_officers": {
        "total": 2,
        "people": [
          {
            "nmls_id": 758467,
            "full_name": "Lauren Reynolds",
            "canonical_url": "https://lendb.ai/lo/lauren-reynolds-758467",
            "branch_city": "Marion",
            "branch_state": "NC"
          },
          {
            "nmls_id": 1204147,
            "full_name": "Brian Wilson",
            "canonical_url": "https://lendb.ai/lo/brian-wilson-1204147",
            "branch_city": "Marion",
            "branch_state": "NC"
          }
        ]
      }
    },
    {
      "nmls_id": 399801,
      "name": "Wells Fargo Home Mortgage",
      "slug": "wells-fargo-399801",
      "canonical_url": "https://lendb.ai/lender/wells-fargo-399801",
      "loans": 9,
      "includes_brokered": false,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 399803,
      "name": "Truist Bank",
      "slug": "truist-399803",
      "canonical_url": "https://lendb.ai/lender/truist-399803",
      "loans": 7,
      "includes_brokered": false,
      "loan_officers": {
        "total": 1,
        "people": [
          {
            "nmls_id": 415264,
            "full_name": "Cathy Hamby",
            "canonical_url": "https://lendb.ai/lo/cathy-hamby-415264",
            "branch_city": "Morganton",
            "branch_state": "NC"
          }
        ]
      }
    },
    {
      "nmls_id": 2611,
      "name": "Guaranteed Rate (Rate)",
      "slug": "guaranteed-rate-2611",
      "canonical_url": "https://lendb.ai/lender/guaranteed-rate-2611",
      "loans": 6,
      "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."
}