{
  "canonical_url": "https://lendb.ai/in/virginia/waynesboro-city/fha-loans",
  "summary": "These are lenders, not loan officers. Of the lenders LenDb lists, 36 funded FHA home loans in Waynesboro city, VA in 2025, 113 loans in all, per HMDA, FFIEC/CFPB data. The most active were Rocket Mortgage (15), Lower (8) and Freedom Mortgage (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 Waynesboro city are linked below.",
  "county": {
    "fips": "51820",
    "name": "Waynesboro city",
    "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": 36,
    "lenders_10": 1,
    "loans": 113,
    "qualifies": false
  },
  "lenders": [
    {
      "nmls_id": 3030,
      "name": "Rocket Mortgage",
      "slug": "rocket-mortgage-3030",
      "canonical_url": "https://lendb.ai/lender/rocket-mortgage-3030",
      "loans": 15,
      "includes_brokered": true,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 1124061,
      "name": "Lower",
      "slug": "lower-1124061",
      "canonical_url": "https://lendb.ai/lender/lower-1124061",
      "loans": 8,
      "includes_brokered": true,
      "loan_officers": {
        "total": 2,
        "people": [
          {
            "nmls_id": 2214236,
            "full_name": "Jake Adler",
            "canonical_url": "https://lendb.ai/lo/jake-adler-2214236",
            "branch_city": "Fishersville",
            "branch_state": "VA"
          },
          {
            "nmls_id": 2823978,
            "full_name": "Tyler Nuckoles",
            "canonical_url": "https://lendb.ai/lo/tyler-nuckoles-2823978",
            "branch_city": "Fishersville",
            "branch_state": "VA"
          }
        ]
      }
    },
    {
      "nmls_id": 2767,
      "name": "Freedom Mortgage",
      "slug": "freedom-mortgage-2767",
      "canonical_url": "https://lendb.ai/lender/freedom-mortgage-2767",
      "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": 7,
      "includes_brokered": true,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 14622,
      "name": "DHI Mortgage",
      "slug": "dhi-mortgage-14622",
      "canonical_url": "https://lendb.ai/lender/dhi-mortgage-14622",
      "loans": 7,
      "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": 7,
      "includes_brokered": false,
      "loan_officers": {
        "total": 9,
        "people": [
          {
            "nmls_id": 198053,
            "full_name": "Michelle Nuckols",
            "canonical_url": "https://lendb.ai/lo/michelle-nuckols-198053",
            "branch_city": "Staunton",
            "branch_state": "VA"
          },
          {
            "nmls_id": 235608,
            "full_name": "Michelle Fix",
            "canonical_url": "https://lendb.ai/lo/michelle-fix-235608",
            "branch_city": "Staunton",
            "branch_state": "VA"
          },
          {
            "nmls_id": 1709807,
            "full_name": "Michael Pickle Nuckols",
            "canonical_url": "https://lendb.ai/lo/michael-pickle-nuckols-1709807",
            "branch_city": "Staunton",
            "branch_state": "VA"
          }
        ]
      }
    },
    {
      "nmls_id": 1127,
      "name": "NVR Mortgage",
      "slug": "nvr-mortgage-1127",
      "canonical_url": "https://lendb.ai/lender/nvr-mortgage-1127",
      "loans": 5,
      "includes_brokered": false,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 1820,
      "name": "CMG Home Loans",
      "slug": "cmg-home-loans-1820",
      "canonical_url": "https://lendb.ai/lender/cmg-home-loans-1820",
      "loans": 5,
      "includes_brokered": false,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "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": 5,
      "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": 4,
      "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."
}