{
  "canonical_url": "https://lendb.ai/in/texas/cooke-county/fha-loans",
  "summary": "These are lenders, not loan officers. Of the lenders LenDb lists, 35 funded FHA home loans in Cooke County, TX in 2025, 91 loans in all, per HMDA, FFIEC/CFPB data. The most active were DHI Mortgage (14), Guild Mortgage (12) and SFMC, LP (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 Cooke County are linked below.",
  "county": {
    "fips": "48097",
    "name": "Cooke County",
    "state": "TX"
  },
  "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": 35,
    "lenders_10": 2,
    "loans": 91,
    "qualifies": false
  },
  "lenders": [
    {
      "nmls_id": 14622,
      "name": "DHI Mortgage",
      "slug": "dhi-mortgage-14622",
      "canonical_url": "https://lendb.ai/lender/dhi-mortgage-14622",
      "loans": 14,
      "includes_brokered": false,
      "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": 12,
      "includes_brokered": false,
      "loan_officers": {
        "total": 3,
        "people": [
          {
            "nmls_id": 492796,
            "full_name": "Veronica Vazquez",
            "canonical_url": "https://lendb.ai/lo/veronica-vazquez-492796",
            "branch_city": "Gainesville",
            "branch_state": "TX"
          },
          {
            "nmls_id": 674159,
            "full_name": "Timothy Biles",
            "canonical_url": "https://lendb.ai/lo/timothy-biles-674159",
            "branch_city": "Gainesville",
            "branch_state": "TX"
          },
          {
            "nmls_id": 792334,
            "full_name": "Scott Stephens",
            "canonical_url": "https://lendb.ai/lo/shelby-scott-stephens-792334",
            "branch_city": "Gainesville",
            "branch_state": "TX"
          }
        ]
      }
    },
    {
      "nmls_id": 166487,
      "name": "SFMC, LP",
      "slug": "sfmc-lp-166487",
      "canonical_url": "https://lendb.ai/lender/sfmc-lp-166487",
      "loans": 7,
      "includes_brokered": false,
      "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": 6,
      "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": 4,
      "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": 4,
      "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": 4,
      "includes_brokered": true,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 134871,
      "name": "Highlands Residential Mortgage",
      "slug": "highlands-residential-mortgage-134871",
      "canonical_url": "https://lendb.ai/lender/highlands-residential-mortgage-134871",
      "loans": 4,
      "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": 3013,
      "name": "Newrez",
      "slug": "newrez-3013",
      "canonical_url": "https://lendb.ai/lender/newrez-3013",
      "loans": 3,
      "includes_brokered": true,
      "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."
}