{
  "canonical_url": "https://lendb.ai/in/north-carolina/rutherford-county/conventional-loans",
  "summary": "These are lenders, not loan officers. Of the lenders LenDb lists, 84 funded conventional home loans in Rutherford County, NC in 2025, 561 loans in all, per HMDA, FFIEC/CFPB data. The most active were State Employees' Credit Union (NC) (107), Rocket Mortgage (81) and Movement Mortgage (73). Lenders LenDb does not list yet, and lenders below the HMDA reporting thresholds, are not counted. Loan officers LenDb lists at each lender near Rutherford County are linked below.",
  "county": {
    "fips": "37161",
    "name": "Rutherford 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": 84,
    "lenders_10": 8,
    "loans": 561,
    "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": 107,
      "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": 81,
      "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": 73,
      "includes_brokered": false,
      "loan_officers": {
        "total": 2,
        "people": [
          {
            "nmls_id": 1841991,
            "full_name": "Rick Dunkerley",
            "canonical_url": "https://lendb.ai/lo/richard-dunkerley-1841991",
            "branch_city": "Hendersonville",
            "branch_state": "NC"
          },
          {
            "nmls_id": 758470,
            "full_name": "Natalie Contas",
            "canonical_url": "https://lendb.ai/lo/natalie-contas-758470",
            "branch_city": "Morganton",
            "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": 53,
      "includes_brokered": false,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "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": 28,
      "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": 18,
      "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": 3038,
      "name": "United Wholesale Mortgage (broker finder)",
      "slug": "united-wholesale-mortgage-3038",
      "canonical_url": "https://lendb.ai/lender/united-wholesale-mortgage-3038",
      "loans": 17,
      "includes_brokered": true,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 130562,
      "name": "Success Mortgage Partners",
      "slug": "success-mortgage-partners-130562",
      "canonical_url": "https://lendb.ai/lender/success-mortgage-partners-130562",
      "loans": 12,
      "includes_brokered": false,
      "loan_officers": {
        "total": 1,
        "people": [
          {
            "nmls_id": 1513839,
            "full_name": "Chrystal Searcy",
            "canonical_url": "https://lendb.ai/lo/chrystal-searcy-1513839",
            "branch_city": "Rutherfordton",
            "branch_state": "NC"
          }
        ]
      }
    },
    {
      "nmls_id": 3274,
      "name": "Guild Mortgage",
      "slug": "guild-mortgage-3274",
      "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
      "loans": 8,
      "includes_brokered": false,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 174457,
      "name": "loanDepot",
      "slug": "loandepot-174457",
      "canonical_url": "https://lendb.ai/lender/loandepot-174457",
      "loans": 8,
      "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."
}