{
  "canonical_url": "https://lendb.ai/in/north-carolina/polk-county/fha-loans",
  "summary": "These are lenders, not loan officers. Of the lenders LenDb lists, 20 funded FHA home loans in Polk County, NC in 2025, 35 loans in all, per HMDA, FFIEC/CFPB data. The most active were Rocket Mortgage (7), Pennymac (4) and Highlands Residential Mortgage (4). Lenders LenDb does not list yet, and lenders below the HMDA reporting thresholds, are not counted. Loan officers LenDb lists at each lender near Polk County are linked below.",
  "county": {
    "fips": "37149",
    "name": "Polk 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": 20,
    "lenders_10": 0,
    "loans": 35,
    "qualifies": false
  },
  "lenders": [
    {
      "nmls_id": 3030,
      "name": "Rocket Mortgage",
      "slug": "rocket-mortgage-3030",
      "canonical_url": "https://lendb.ai/lender/rocket-mortgage-3030",
      "loans": 7,
      "includes_brokered": true,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 35953,
      "name": "Pennymac",
      "slug": "pennymac-35953",
      "canonical_url": "https://lendb.ai/lender/pennymac-35953",
      "loans": 4,
      "includes_brokered": true,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 134871,
      "name": "Highlands Residential Mortgage",
      "slug": "highlands-residential-mortgage-134871",
      "canonical_url": "https://lendb.ai/lender/highlands-residential-mortgage-134871",
      "loans": 4,
      "includes_brokered": false,
      "loan_officers": {
        "total": 6,
        "people": [
          {
            "nmls_id": 171228,
            "full_name": "Thomas Ray",
            "canonical_url": "https://lendb.ai/lo/thomas-ray-171228",
            "branch_city": "Greer",
            "branch_state": "SC"
          },
          {
            "nmls_id": 2614799,
            "full_name": "Geena Hammond",
            "canonical_url": "https://lendb.ai/lo/geena-hammond-2614799",
            "branch_city": "Greer",
            "branch_state": "SC"
          },
          {
            "nmls_id": 90051,
            "full_name": "Heidi Fitzgerald-Bailey",
            "canonical_url": "https://lendb.ai/lo/heidi-fitzgerald-bailey-90051",
            "branch_city": "Hendersonville",
            "branch_state": "NC"
          }
        ]
      }
    },
    {
      "nmls_id": 69551,
      "name": "GoPrime Mortgage, Inc.",
      "slug": "goprime-mortgage-inc-69551",
      "canonical_url": "https://lendb.ai/lender/goprime-mortgage-inc-69551",
      "loans": 3,
      "includes_brokered": true,
      "loan_officers": {
        "total": 1,
        "people": [
          {
            "nmls_id": 67830,
            "full_name": "Sonya Simpson",
            "canonical_url": "https://lendb.ai/lo/sonya-simpson-67830",
            "branch_city": "Arden",
            "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": 2,
      "includes_brokered": false,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "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": 1,
      "includes_brokered": false,
      "loan_officers": {
        "total": 3,
        "people": [
          {
            "nmls_id": 58755,
            "full_name": "Kelly Stephens",
            "canonical_url": "https://lendb.ai/lo/kelly-stephens-58755",
            "branch_city": "Greenville",
            "branch_state": "SC"
          },
          {
            "nmls_id": 2416449,
            "full_name": "Laura Wilson",
            "canonical_url": "https://lendb.ai/lo/laura-wilson-2416449",
            "branch_city": "Greenville",
            "branch_state": "SC"
          },
          {
            "nmls_id": 2602203,
            "full_name": "Matthew Hina",
            "canonical_url": "https://lendb.ai/lo/matthew-hina-2602203",
            "branch_city": "Greenville",
            "branch_state": "SC"
          }
        ]
      }
    },
    {
      "nmls_id": 2600,
      "name": "Carrington Mortgage Services",
      "slug": "carrington-mortgage-services-2600",
      "canonical_url": "https://lendb.ai/lender/carrington-mortgage-services-2600",
      "loans": 1,
      "includes_brokered": false,
      "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": 1,
      "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": 2893,
      "name": "NFM Lending",
      "slug": "nfm-lending-2893",
      "canonical_url": "https://lendb.ai/lender/nfm-lending-2893",
      "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."
}