{
  "canonical_url": "https://lendb.ai/in/california/merced-county/usda-loans",
  "summary": "These are lenders, not loan officers. Of the lenders LenDb lists, 5 funded USDA home loans in Merced County, CA in 2025, 6 loans in all, per HMDA, FFIEC/CFPB data. The most active were Guaranteed Rate (Rate) (2), American Pacific Mortgage (1) and Newrez (1). Lenders LenDb does not list yet, and lenders below the HMDA reporting thresholds, are not counted. Loan officers LenDb lists at each lender near Merced County are linked below.",
  "county": {
    "fips": "06047",
    "name": "Merced County",
    "state": "CA"
  },
  "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": 6,
    "qualifies": false
  },
  "lenders": [
    {
      "nmls_id": 2611,
      "name": "Guaranteed Rate (Rate)",
      "slug": "guaranteed-rate-2611",
      "canonical_url": "https://lendb.ai/lender/guaranteed-rate-2611",
      "loans": 2,
      "includes_brokered": false,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 1850,
      "name": "American Pacific Mortgage",
      "slug": "american-pacific-mortgage-1850",
      "canonical_url": "https://lendb.ai/lender/american-pacific-mortgage-1850",
      "loans": 1,
      "includes_brokered": false,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 3013,
      "name": "Newrez",
      "slug": "newrez-3013",
      "canonical_url": "https://lendb.ai/lender/newrez-3013",
      "loans": 1,
      "includes_brokered": true,
      "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": 12007,
      "name": "LeaderOne Financial",
      "slug": "leaderone-financial-12007",
      "canonical_url": "https://lendb.ai/lender/leaderone-financial-12007",
      "loans": 1,
      "includes_brokered": false,
      "loan_officers": {
        "total": 9,
        "people": [
          {
            "nmls_id": 243316,
            "full_name": "Joe Stefani",
            "canonical_url": "https://lendb.ai/lo/joe-stefani-243316",
            "branch_city": "Merced",
            "branch_state": "CA"
          },
          {
            "nmls_id": 1654160,
            "full_name": "AJ Vasquez",
            "canonical_url": "https://lendb.ai/lo/aj-vasquez-1654160",
            "branch_city": "Merced",
            "branch_state": "CA"
          },
          {
            "nmls_id": 1952991,
            "full_name": "Mitchell Miller",
            "canonical_url": "https://lendb.ai/lo/mitchell-miller-1952991",
            "branch_city": "Merced",
            "branch_state": "CA"
          }
        ]
      }
    }
  ],
  "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."
}