{
  "canonical_url": "https://lendb.ai/in/virginia/carroll-county/conventional-loans",
  "summary": "These are lenders, not loan officers. Of the lenders LenDb lists, 41 funded conventional home loans in Carroll County, VA in 2025, 200 loans in all, per HMDA, FFIEC/CFPB data. The most active were Rocket Mortgage (40), Vanderbilt Mortgage and Finance, Inc. (25) and Atlantic Bay Mortgage Group (18). Lenders LenDb does not list yet, and lenders below the HMDA reporting thresholds, are not counted. Loan officers LenDb lists at each lender near Carroll County are linked below.",
  "county": {
    "fips": "51035",
    "name": "Carroll County",
    "state": "VA"
  },
  "loan_type": "conventional",
  "year": 2025,
  "source": "HMDA, FFIEC/CFPB",
  "source_url": "https://ffiec.cfpb.gov/data-publication/snapshot-national-loan-level-dataset/2025",
  "totals": {
    "lenders": 41,
    "lenders_10": 7,
    "loans": 200,
    "qualifies": true
  },
  "lenders": [
    {
      "nmls_id": 3030,
      "name": "Rocket Mortgage",
      "slug": "rocket-mortgage-3030",
      "canonical_url": "https://lendb.ai/lender/rocket-mortgage-3030",
      "loans": 40,
      "includes_brokered": true,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 1561,
      "name": "Vanderbilt Mortgage and Finance, Inc.",
      "slug": "vanderbilt-mortgage-and-finance-inc-1561",
      "canonical_url": "https://lendb.ai/lender/vanderbilt-mortgage-and-finance-inc-1561",
      "loans": 25,
      "includes_brokered": false,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "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": 18,
      "includes_brokered": false,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 430055,
      "name": "State Employees' Credit Union (NC)",
      "slug": "state-employees-credit-union-430055",
      "canonical_url": "https://lendb.ai/lender/state-employees-credit-union-430055",
      "loans": 16,
      "includes_brokered": false,
      "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": 15,
      "includes_brokered": false,
      "loan_officers": {
        "total": 1,
        "people": [
          {
            "nmls_id": 659510,
            "full_name": "Pamela Snead",
            "canonical_url": "https://lendb.ai/lo/pamela-snead-659510",
            "branch_city": "Floyd",
            "branch_state": "VA"
          }
        ]
      }
    },
    {
      "nmls_id": 399803,
      "name": "Truist Bank",
      "slug": "truist-399803",
      "canonical_url": "https://lendb.ai/lender/truist-399803",
      "loans": 12,
      "includes_brokered": false,
      "loan_officers": {
        "total": 2,
        "people": [
          {
            "nmls_id": 430336,
            "full_name": "Laurie H. Boyd",
            "canonical_url": "https://lendb.ai/lo/laurie-h-boyd-430336",
            "branch_city": "Hillsville",
            "branch_state": "VA"
          },
          {
            "nmls_id": 415650,
            "full_name": "Melissa Taylor",
            "canonical_url": "https://lendb.ai/lo/melissa-taylor-415650",
            "branch_city": "Sparta",
            "branch_state": "NC"
          }
        ]
      }
    },
    {
      "nmls_id": 2926,
      "name": "emm loans llc",
      "slug": "emm-loans-llc-2926",
      "canonical_url": "https://lendb.ai/lender/emm-loans-llc-2926",
      "loans": 11,
      "includes_brokered": true,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 399801,
      "name": "Wells Fargo Home Mortgage",
      "slug": "wells-fargo-399801",
      "canonical_url": "https://lendb.ai/lender/wells-fargo-399801",
      "loans": 6,
      "includes_brokered": false,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 35953,
      "name": "Pennymac",
      "slug": "pennymac-35953",
      "canonical_url": "https://lendb.ai/lender/pennymac-35953",
      "loans": 5,
      "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": []
      }
    }
  ],
  "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."
}