{
  "canonical_url": "https://lendb.ai/in/virginia/gloucester-county/usda-loans",
  "summary": "These are lenders, not loan officers. Of the lenders LenDb lists, 5 funded USDA home loans in Gloucester County, VA in 2025, 10 loans in all, per HMDA, FFIEC/CFPB data. The most active were Movement Mortgage (3), ALCOVA Mortgage (3) and CalCon Mutual Mortgage LLC (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 Gloucester County are linked below.",
  "county": {
    "fips": "51073",
    "name": "Gloucester County",
    "state": "VA"
  },
  "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": 5,
    "lenders_10": 0,
    "loans": 10,
    "qualifies": false
  },
  "lenders": [
    {
      "nmls_id": 39179,
      "name": "Movement Mortgage",
      "slug": "movement-mortgage-39179",
      "canonical_url": "https://lendb.ai/lender/movement-mortgage-39179",
      "loans": 3,
      "includes_brokered": false,
      "loan_officers": {
        "total": 9,
        "people": [
          {
            "nmls_id": 140755,
            "full_name": "Beth Stephans",
            "canonical_url": "https://lendb.ai/lo/beth-stephans-140755",
            "branch_city": "Williamsburg",
            "branch_state": "VA"
          },
          {
            "nmls_id": 212230,
            "full_name": "Cindy White",
            "canonical_url": "https://lendb.ai/lo/cindy-white-212230",
            "branch_city": "Williamsburg",
            "branch_state": "VA"
          },
          {
            "nmls_id": 284773,
            "full_name": "Keith Freeland",
            "canonical_url": "https://lendb.ai/lo/keith-freeland-284773",
            "branch_city": "Williamsburg",
            "branch_state": "VA"
          }
        ]
      }
    },
    {
      "nmls_id": 40508,
      "name": "ALCOVA Mortgage",
      "slug": "alcova-mortgage-40508",
      "canonical_url": "https://lendb.ai/lender/alcova-mortgage-40508",
      "loans": 3,
      "includes_brokered": false,
      "loan_officers": {
        "total": 3,
        "people": [
          {
            "nmls_id": 555721,
            "full_name": "Brenda Moore",
            "canonical_url": "https://lendb.ai/lo/brenda-moore-555721",
            "branch_city": "Gloucester",
            "branch_state": "VA"
          },
          {
            "nmls_id": 192993,
            "full_name": "Kevin Onizuk",
            "canonical_url": "https://lendb.ai/lo/kevin-onizuk-192993",
            "branch_city": "Williamsburg",
            "branch_state": "VA"
          },
          {
            "nmls_id": 215909,
            "full_name": "Steve Bland",
            "canonical_url": "https://lendb.ai/lo/steve-bland-215909",
            "branch_city": "Gloucester",
            "branch_state": "VA"
          }
        ]
      }
    },
    {
      "nmls_id": 46375,
      "name": "CalCon Mutual Mortgage LLC",
      "slug": "calcon-mutual-mortgage-llc-46375",
      "canonical_url": "https://lendb.ai/lender/calcon-mutual-mortgage-llc-46375",
      "loans": 2,
      "includes_brokered": false,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 3925,
      "name": "Kind Lending, LLC",
      "slug": "kind-lending-3925",
      "canonical_url": "https://lendb.ai/lender/kind-lending-3925",
      "loans": 1,
      "includes_brokered": true,
      "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": 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."
}