{
  "canonical_url": "https://lendb.ai/in/north-carolina/scotland-county/va-loans",
  "summary": "These are lenders, not loan officers. Of the lenders LenDb lists, 25 funded VA home loans in Scotland County, NC in 2025, 75 loans in all, per HMDA, FFIEC/CFPB data. The most active were United Wholesale Mortgage (19), Veterans United Home Loans (6) and Freedom Mortgage (6). 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": "va",
  "year": 2025,
  "source": "HMDA, FFIEC/CFPB",
  "source_url": "https://ffiec.cfpb.gov/data-publication/snapshot-national-loan-level-dataset/2025",
  "totals": {
    "lenders": 25,
    "lenders_10": 1,
    "loans": 75,
    "qualifies": false
  },
  "lenders": [
    {
      "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": 19,
      "includes_brokered": true,
      "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": 6,
      "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": 6,
      "includes_brokered": false,
      "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": 6,
      "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": 3030,
      "name": "Rocket Mortgage",
      "slug": "rocket-mortgage-3030",
      "canonical_url": "https://lendb.ai/lender/rocket-mortgage-3030",
      "loans": 6,
      "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": 3,
      "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": 3,
      "includes_brokered": true,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 40508,
      "name": "ALCOVA Mortgage",
      "slug": "alcova-mortgage-40508",
      "canonical_url": "https://lendb.ai/lender/alcova-mortgage-40508",
      "loans": 3,
      "includes_brokered": false,
      "loan_officers": {
        "total": 3,
        "people": [
          {
            "nmls_id": 450763,
            "full_name": "Angie Medlin",
            "canonical_url": "https://lendb.ai/lo/angie-medlin-450763",
            "branch_city": "Southern Pines",
            "branch_state": "NC"
          },
          {
            "nmls_id": 113022,
            "full_name": "Sherry Shepherd",
            "canonical_url": "https://lendb.ai/lo/sherry-shepherd-113022",
            "branch_city": "Southern Pines",
            "branch_state": "NC"
          },
          {
            "nmls_id": 266241,
            "full_name": "Timothy Grainger",
            "canonical_url": "https://lendb.ai/lo/timothy-grainger-266241",
            "branch_city": "Dillon",
            "branch_state": "SC"
          }
        ]
      }
    },
    {
      "nmls_id": 399807,
      "name": "Navy Federal Credit Union",
      "slug": "navy-federal-399807",
      "canonical_url": "https://lendb.ai/lender/navy-federal-399807",
      "loans": 3,
      "includes_brokered": false,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 1043,
      "name": "NewDay USA",
      "slug": "newday-usa-1043",
      "canonical_url": "https://lendb.ai/lender/newday-usa-1043",
      "loans": 2,
      "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."
}