{
  "canonical_url": "https://lendb.ai/in/virginia/bedford-county/fha-loans",
  "summary": "These are lenders, not loan officers. Of the lenders LenDb lists, 59 funded FHA home loans in Bedford County, VA in 2025, 273 loans in all, per HMDA, FFIEC/CFPB data. The most active were Rocket Mortgage (39), United Wholesale Mortgage (33) and Fairway Independent Mortgage Corporation (17). Lenders LenDb does not list yet, and lenders below the HMDA reporting thresholds, are not counted. Loan officers LenDb lists at each lender near Bedford County are linked below.",
  "county": {
    "fips": "51019",
    "name": "Bedford County",
    "state": "VA"
  },
  "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": 59,
    "lenders_10": 7,
    "loans": 273,
    "qualifies": true
  },
  "lenders": [
    {
      "nmls_id": 3030,
      "name": "Rocket Mortgage",
      "slug": "rocket-mortgage-3030",
      "canonical_url": "https://lendb.ai/lender/rocket-mortgage-3030",
      "loans": 39,
      "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": 33,
      "includes_brokered": true,
      "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": 17,
      "includes_brokered": false,
      "loan_officers": {
        "total": 8,
        "people": [
          {
            "nmls_id": 540716,
            "full_name": "Ashley Wickstrom",
            "canonical_url": "https://lendb.ai/lo/ashley-wickstrom-540716",
            "branch_city": "Lynchburg",
            "branch_state": "VA"
          },
          {
            "nmls_id": 1229598,
            "full_name": "Will Luper",
            "canonical_url": "https://lendb.ai/lo/william-luper-1229598",
            "branch_city": "Lynchburg",
            "branch_state": "VA"
          },
          {
            "nmls_id": 1310514,
            "full_name": "Scott Martin",
            "canonical_url": "https://lendb.ai/lo/scott-martin-1310514",
            "branch_city": "Lynchburg",
            "branch_state": "VA"
          }
        ]
      }
    },
    {
      "nmls_id": 40508,
      "name": "ALCOVA Mortgage",
      "slug": "alcova-mortgage-40508",
      "canonical_url": "https://lendb.ai/lender/alcova-mortgage-40508",
      "loans": 17,
      "includes_brokered": false,
      "loan_officers": {
        "total": 28,
        "people": [
          {
            "nmls_id": 1122840,
            "full_name": "Mitch Sellers",
            "canonical_url": "https://lendb.ai/lo/mitch-sellers-1122840",
            "branch_city": "Vinton",
            "branch_state": "VA"
          },
          {
            "nmls_id": 1222391,
            "full_name": "Matt Crizer",
            "canonical_url": "https://lendb.ai/lo/matt-crizer-1222391",
            "branch_city": "Vinton",
            "branch_state": "VA"
          },
          {
            "nmls_id": 1642964,
            "full_name": "Will Blaylock",
            "canonical_url": "https://lendb.ai/lo/thomas-blaylock-1642964",
            "branch_city": "Vinton",
            "branch_state": "VA"
          }
        ]
      }
    },
    {
      "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": 17,
      "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": 13,
      "includes_brokered": false,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 186434,
      "name": "Waterstone Mortgage",
      "slug": "waterstone-mortgage-186434",
      "canonical_url": "https://lendb.ai/lender/waterstone-mortgage-186434",
      "loans": 11,
      "includes_brokered": false,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 2926,
      "name": "emm loans llc",
      "slug": "emm-loans-llc-2926",
      "canonical_url": "https://lendb.ai/lender/emm-loans-llc-2926",
      "loans": 7,
      "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": 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": []
      }
    }
  ],
  "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."
}