{
  "canonical_url": "https://lendb.ai/in/north-carolina/scotland-county/fha-loans",
  "summary": "These are lenders, not loan officers. Of the lenders LenDb lists, 37 funded FHA home loans in Scotland County, NC in 2025, 87 loans in all, per HMDA, FFIEC/CFPB data. The most active were Rocket Mortgage (14), CrossCountry Mortgage (8) and United Wholesale Mortgage (7). Lenders LenDb does not list yet, and lenders below the HMDA reporting thresholds, are not counted. Loan officers LenDb lists at each lender near Scotland County are linked below.",
  "county": {
    "fips": "37165",
    "name": "Scotland 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": 37,
    "lenders_10": 1,
    "loans": 87,
    "qualifies": false
  },
  "lenders": [
    {
      "nmls_id": 3030,
      "name": "Rocket Mortgage",
      "slug": "rocket-mortgage-3030",
      "canonical_url": "https://lendb.ai/lender/rocket-mortgage-3030",
      "loans": 14,
      "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": 8,
      "includes_brokered": false,
      "loan_officers": {
        "total": 3,
        "people": [
          {
            "nmls_id": 982872,
            "full_name": "Erica Campbell",
            "canonical_url": "https://lendb.ai/lo/erica-campbell-982872",
            "branch_city": "Southern Pines",
            "branch_state": "NC"
          },
          {
            "nmls_id": 1666093,
            "full_name": "Rita Hairston",
            "canonical_url": "https://lendb.ai/lo/rita-hairston-1666093",
            "branch_city": "Southern Pines",
            "branch_state": "NC"
          },
          {
            "nmls_id": 2769325,
            "full_name": "Tracey Greene",
            "canonical_url": "https://lendb.ai/lo/tracey-greene-2769325",
            "branch_city": "Southern Pines",
            "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": 7,
      "includes_brokered": true,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 2229,
      "name": "Union Home Mortgage",
      "slug": "union-home-mortgage-2229",
      "canonical_url": "https://lendb.ai/lender/union-home-mortgage-2229",
      "loans": 6,
      "includes_brokered": true,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 6606,
      "name": "New American Funding",
      "slug": "new-american-funding-6606",
      "canonical_url": "https://lendb.ai/lender/new-american-funding-6606",
      "loans": 5,
      "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": 3,
      "includes_brokered": false,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 4181,
      "name": "Top Flite Financial, Inc.",
      "slug": "top-flite-financial-inc-4181",
      "canonical_url": "https://lendb.ai/lender/top-flite-financial-inc-4181",
      "loans": 3,
      "includes_brokered": false,
      "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": 3,
      "includes_brokered": false,
      "loan_officers": {
        "total": 2,
        "people": [
          {
            "nmls_id": 75430,
            "full_name": "Jason Brooks",
            "canonical_url": "https://lendb.ai/lo/jason-brooks-75430",
            "branch_city": "Southern Pines",
            "branch_state": "NC"
          },
          {
            "nmls_id": 397711,
            "full_name": "Michael Chad Smith",
            "canonical_url": "https://lendb.ai/lo/michael-chad-smith-397711",
            "branch_city": "Southern Pines",
            "branch_state": "NC"
          }
        ]
      }
    },
    {
      "nmls_id": 58775,
      "name": "Reliance First Capital, LLC",
      "slug": "reliance-first-capital-llc-58775",
      "canonical_url": "https://lendb.ai/lender/reliance-first-capital-llc-58775",
      "loans": 3,
      "includes_brokered": false,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 2289,
      "name": "Fairway Independent Mortgage Corporation",
      "slug": "fairway-independent-mortgage-2289",
      "canonical_url": "https://lendb.ai/lender/fairway-independent-mortgage-2289",
      "loans": 2,
      "includes_brokered": false,
      "loan_officers": {
        "total": 2,
        "people": [
          {
            "nmls_id": 225113,
            "full_name": "Mike Lenzini",
            "canonical_url": "https://lendb.ai/lo/mike-lenzini-225113",
            "branch_city": "Pinehurst",
            "branch_state": "NC"
          },
          {
            "nmls_id": 93103,
            "full_name": "Kasey Ekstrom",
            "canonical_url": "https://lendb.ai/lo/kasey-ekstrom-93103",
            "branch_city": "Southern Pines",
            "branch_state": "NC"
          }
        ]
      }
    }
  ],
  "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."
}