{
  "canonical_url": "https://lendb.ai/in/north-carolina/watauga-county/fha-loans",
  "summary": "These are lenders, not loan officers. Of the lenders LenDb lists, 18 funded FHA home loans in Watauga County, NC in 2025, 25 loans in all, per HMDA, FFIEC/CFPB data. The most active were Fairway Independent Mortgage Corporation (5), Newrez (2) and United Wholesale Mortgage (2). Lenders LenDb does not list yet, and lenders below the HMDA reporting thresholds, are not counted. Loan officers LenDb lists at each lender near Watauga County are linked below.",
  "county": {
    "fips": "37189",
    "name": "Watauga 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": 18,
    "lenders_10": 0,
    "loans": 25,
    "qualifies": false
  },
  "lenders": [
    {
      "nmls_id": 2289,
      "name": "Fairway Independent Mortgage Corporation",
      "slug": "fairway-independent-mortgage-2289",
      "canonical_url": "https://lendb.ai/lender/fairway-independent-mortgage-2289",
      "loans": 5,
      "includes_brokered": false,
      "loan_officers": {
        "total": 2,
        "people": [
          {
            "nmls_id": 1824007,
            "full_name": "Jeff Reeves",
            "canonical_url": "https://lendb.ai/lo/jeffrey-reeves-1824007",
            "branch_city": "Boone",
            "branch_state": "NC"
          },
          {
            "nmls_id": 2445107,
            "full_name": "Amy Reene Reeves",
            "canonical_url": "https://lendb.ai/lo/amy-reene-reeves-2445107",
            "branch_city": "Boone",
            "branch_state": "NC"
          }
        ]
      }
    },
    {
      "nmls_id": 3013,
      "name": "Newrez",
      "slug": "newrez-3013",
      "canonical_url": "https://lendb.ai/lender/newrez-3013",
      "loans": 2,
      "includes_brokered": true,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "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": 2,
      "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": 2,
      "includes_brokered": false,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 1041,
      "name": "Summit Mortgage Corporation",
      "slug": "summit-mortgage-corporation-1041",
      "canonical_url": "https://lendb.ai/lender/summit-mortgage-corporation-1041",
      "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": 3029,
      "name": "CrossCountry Mortgage",
      "slug": "crosscountry-mortgage-3029",
      "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
      "loans": 1,
      "includes_brokered": false,
      "loan_officers": {
        "total": 1,
        "people": [
          {
            "nmls_id": 69769,
            "full_name": "Tom Thuss",
            "canonical_url": "https://lendb.ai/lo/tom-thuss-69769",
            "branch_city": "Lenoir",
            "branch_state": "NC"
          }
        ]
      }
    },
    {
      "nmls_id": 3030,
      "name": "Rocket Mortgage",
      "slug": "rocket-mortgage-3030",
      "canonical_url": "https://lendb.ai/lender/rocket-mortgage-3030",
      "loans": 1,
      "includes_brokered": true,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "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": 0,
        "people": []
      }
    },
    {
      "nmls_id": 10287,
      "name": "Zillow Home Loans, LLC",
      "slug": "zillow-home-loans-llc-10287",
      "canonical_url": "https://lendb.ai/lender/zillow-home-loans-llc-10287",
      "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."
}