{
  "canonical_url": "https://lendb.ai/in/north-carolina/mcdowell-county/usda-loans",
  "summary": "These are lenders, not loan officers. Of the lenders LenDb lists, 4 funded USDA home loans in McDowell County, NC in 2025, 8 loans in all, per HMDA, FFIEC/CFPB data. The most active were Atlantic Bay Mortgage Group (5), American Financial Resources, LLC (1) and CrossCountry Mortgage (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 McDowell County are linked below.",
  "county": {
    "fips": "37111",
    "name": "McDowell 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": 4,
    "lenders_10": 0,
    "loans": 8,
    "qualifies": false
  },
  "lenders": [
    {
      "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": 5,
      "includes_brokered": false,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 2826,
      "name": "American Financial Resources, LLC",
      "slug": "american-financial-resources-llc-2826",
      "canonical_url": "https://lendb.ai/lender/american-financial-resources-llc-2826",
      "loans": 1,
      "includes_brokered": true,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 3029,
      "name": "CrossCountry Mortgage",
      "slug": "crosscountry-mortgage-3029",
      "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
      "loans": 1,
      "includes_brokered": false,
      "loan_officers": {
        "total": 2,
        "people": [
          {
            "nmls_id": 585429,
            "full_name": "Gregg Pechmann",
            "canonical_url": "https://lendb.ai/lo/gregg-pechmann-585429",
            "branch_city": "Asheville",
            "branch_state": "NC"
          },
          {
            "nmls_id": 908443,
            "full_name": "Tyler Evans",
            "canonical_url": "https://lendb.ai/lo/tyler-evans-908443",
            "branch_city": "Asheville",
            "branch_state": "NC"
          }
        ]
      }
    },
    {
      "nmls_id": 141868,
      "name": "Ruoff Mortgage",
      "slug": "ruoff-mortgage-141868",
      "canonical_url": "https://lendb.ai/lender/ruoff-mortgage-141868",
      "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."
}