{
  "canonical_url": "https://lendb.ai/in/north-carolina/union-county/usda-loans",
  "summary": "These are lenders, not loan officers. Of the lenders LenDb lists, 7 funded USDA home loans in Union County, NC in 2025, 8 loans in all, per HMDA, FFIEC/CFPB data. The most active were Towne Mortgage Company (2), CMG Home Loans (1) and Guild 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 Union County are linked below.",
  "county": {
    "fips": "37179",
    "name": "Union 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": 7,
    "lenders_10": 0,
    "loans": 8,
    "qualifies": false
  },
  "lenders": [
    {
      "nmls_id": 3028,
      "name": "Towne Mortgage Company",
      "slug": "towne-mortgage-company-3028",
      "canonical_url": "https://lendb.ai/lender/towne-mortgage-company-3028",
      "loans": 2,
      "includes_brokered": true,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 1820,
      "name": "CMG Home Loans",
      "slug": "cmg-home-loans-1820",
      "canonical_url": "https://lendb.ai/lender/cmg-home-loans-1820",
      "loans": 1,
      "includes_brokered": false,
      "loan_officers": {
        "total": 4,
        "people": [
          {
            "nmls_id": 442231,
            "full_name": "Paul Eiden",
            "canonical_url": "https://lendb.ai/lo/paul-eiden-442231",
            "branch_city": "Charlotte",
            "branch_state": "NC"
          },
          {
            "nmls_id": 2020879,
            "full_name": "Jay York",
            "canonical_url": "https://lendb.ai/lo/jachin-york-2020879",
            "branch_city": "Charlotte",
            "branch_state": "NC"
          },
          {
            "nmls_id": 107798,
            "full_name": "Rick Melville",
            "canonical_url": "https://lendb.ai/lo/rick-melville-107798",
            "branch_city": "Charlotte",
            "branch_state": "NC"
          }
        ]
      }
    },
    {
      "nmls_id": 3274,
      "name": "Guild Mortgage",
      "slug": "guild-mortgage-3274",
      "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
      "loans": 1,
      "includes_brokered": false,
      "loan_officers": {
        "total": 6,
        "people": [
          {
            "nmls_id": 1847150,
            "full_name": "Juliana Davis",
            "canonical_url": "https://lendb.ai/lo/juliana-davis-1847150",
            "branch_city": "Charlotte",
            "branch_state": "NC"
          },
          {
            "nmls_id": 1972184,
            "full_name": "Jason Geiger",
            "canonical_url": "https://lendb.ai/lo/jason-geiger-1972184",
            "branch_city": "Charlotte",
            "branch_state": "NC"
          },
          {
            "nmls_id": 325946,
            "full_name": "Michelle du Bois",
            "canonical_url": "https://lendb.ai/lo/michelle-badr-325946",
            "branch_city": "Charlotte",
            "branch_state": "NC"
          }
        ]
      }
    },
    {
      "nmls_id": 3317,
      "name": "Village Capital & Investment LLC",
      "slug": "village-capital-investment-llc-3317",
      "canonical_url": "https://lendb.ai/lender/village-capital-investment-llc-3317",
      "loans": 1,
      "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": 1,
      "includes_brokered": false,
      "loan_officers": {
        "total": 73,
        "people": [
          {
            "nmls_id": 1102050,
            "full_name": "Michael Caldwell",
            "canonical_url": "https://lendb.ai/lo/michael-caldwell-1102050",
            "branch_city": "Matthews",
            "branch_state": "NC"
          },
          {
            "nmls_id": 69837,
            "full_name": "Simon Brais",
            "canonical_url": "https://lendb.ai/lo/simon-brais-69837",
            "branch_city": "Charlotte",
            "branch_state": "NC"
          },
          {
            "nmls_id": 87238,
            "full_name": "Rob Sadoff",
            "canonical_url": "https://lendb.ai/lo/rob-sadoff-87238",
            "branch_city": "Charlotte",
            "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": 1,
      "includes_brokered": false,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 1124061,
      "name": "Lower",
      "slug": "lower-1124061",
      "canonical_url": "https://lendb.ai/lender/lower-1124061",
      "loans": 1,
      "includes_brokered": true,
      "loan_officers": {
        "total": 3,
        "people": [
          {
            "nmls_id": 1281841,
            "full_name": "Earnest M Haynes Jr",
            "canonical_url": "https://lendb.ai/lo/earnest-m-haynes-jr-1281841",
            "branch_city": "Harrisburg",
            "branch_state": "NC"
          },
          {
            "nmls_id": 1792884,
            "full_name": "Rachelle Killman",
            "canonical_url": "https://lendb.ai/lo/rachelle-killman-1792884",
            "branch_city": "Harrisburg",
            "branch_state": "NC"
          },
          {
            "nmls_id": 1977195,
            "full_name": "Erik Markwat",
            "canonical_url": "https://lendb.ai/lo/erik-markwat-1977195",
            "branch_city": "Charlotte",
            "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."
}