{
  "canonical_url": "https://lendb.ai/in/virginia/james-city-county/conventional-loans",
  "summary": "These are lenders, not loan officers. Of the lenders LenDb lists, 98 funded conventional home loans in James City County, VA in 2025, 761 loans in all, per HMDA, FFIEC/CFPB data. The most active were Rocket Mortgage (109), Atlantic Bay Mortgage Group (71) and Prosperity Home Mortgage (64). Lenders LenDb does not list yet, and lenders below the HMDA reporting thresholds, are not counted. Loan officers LenDb lists at each lender near James City County are linked below.",
  "county": {
    "fips": "51095",
    "name": "James City 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": 98,
    "lenders_10": 21,
    "loans": 761,
    "qualifies": true
  },
  "lenders": [
    {
      "nmls_id": 3030,
      "name": "Rocket Mortgage",
      "slug": "rocket-mortgage-3030",
      "canonical_url": "https://lendb.ai/lender/rocket-mortgage-3030",
      "loans": 109,
      "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": 71,
      "includes_brokered": false,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 75164,
      "name": "Prosperity Home Mortgage",
      "slug": "prosperity-home-mortgage-75164",
      "canonical_url": "https://lendb.ai/lender/prosperity-home-mortgage-75164",
      "loans": 64,
      "includes_brokered": false,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 399807,
      "name": "Navy Federal Credit Union",
      "slug": "navy-federal-399807",
      "canonical_url": "https://lendb.ai/lender/navy-federal-399807",
      "loans": 45,
      "includes_brokered": false,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 512138,
      "name": "TowneBank Mortgage",
      "slug": "townebank-mortgage-512138",
      "canonical_url": "https://lendb.ai/lender/townebank-mortgage-512138",
      "loans": 37,
      "includes_brokered": false,
      "loan_officers": {
        "total": 5,
        "people": [
          {
            "nmls_id": 846320,
            "full_name": "Katie Hart",
            "canonical_url": "https://lendb.ai/lo/katie-hart-846320",
            "branch_city": "Williamsburg",
            "branch_state": "VA"
          },
          {
            "nmls_id": 41413,
            "full_name": "Andrew Jordan",
            "canonical_url": "https://lendb.ai/lo/andrew-jordan-41413",
            "branch_city": "Newport News",
            "branch_state": "VA"
          },
          {
            "nmls_id": 517074,
            "full_name": "McKim Beale",
            "canonical_url": "https://lendb.ai/lo/mckim-beale-517074",
            "branch_city": "Newport News",
            "branch_state": "VA"
          }
        ]
      }
    },
    {
      "nmls_id": 1058,
      "name": "Lennar Mortgage",
      "slug": "lennar-mortgage-1058",
      "canonical_url": "https://lendb.ai/lender/lennar-mortgage-1058",
      "loans": 34,
      "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": 33,
      "includes_brokered": true,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 39179,
      "name": "Movement Mortgage",
      "slug": "movement-mortgage-39179",
      "canonical_url": "https://lendb.ai/lender/movement-mortgage-39179",
      "loans": 33,
      "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": 3038,
      "name": "United Wholesale Mortgage (broker finder)",
      "slug": "united-wholesale-mortgage-3038",
      "canonical_url": "https://lendb.ai/lender/united-wholesale-mortgage-3038",
      "loans": 24,
      "includes_brokered": true,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 3028,
      "name": "Towne Mortgage Company",
      "slug": "towne-mortgage-company-3028",
      "canonical_url": "https://lendb.ai/lender/towne-mortgage-company-3028",
      "loans": 21,
      "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."
}