{
  "canonical_url": "https://lendb.ai/in/california/san-joaquin-county/conventional-loans",
  "summary": "These are lenders, not loan officers. Of the lenders LenDb lists, 207 funded conventional home loans in San Joaquin County, CA in 2025, 7,822 loans in all, per HMDA, FFIEC/CFPB data. The most active were United Wholesale Mortgage (990), Rocket Mortgage (949) and Lennar Mortgage (660). Lenders LenDb does not list yet, and lenders below the HMDA reporting thresholds, are not counted. Loan officers LenDb lists at each lender near San Joaquin County are linked below.",
  "county": {
    "fips": "06077",
    "name": "San Joaquin County",
    "state": "CA"
  },
  "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": 207,
    "lenders_10": 95,
    "loans": 7822,
    "qualifies": true
  },
  "lenders": [
    {
      "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": 990,
      "includes_brokered": true,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 3030,
      "name": "Rocket Mortgage",
      "slug": "rocket-mortgage-3030",
      "canonical_url": "https://lendb.ai/lender/rocket-mortgage-3030",
      "loans": 949,
      "includes_brokered": true,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 1058,
      "name": "Lennar Mortgage",
      "slug": "lennar-mortgage-1058",
      "canonical_url": "https://lendb.ai/lender/lennar-mortgage-1058",
      "loans": 660,
      "includes_brokered": false,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 174457,
      "name": "loanDepot",
      "slug": "loandepot-174457",
      "canonical_url": "https://lendb.ai/lender/loandepot-174457",
      "loans": 378,
      "includes_brokered": false,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 1121650,
      "name": "The Loan Store, Inc.",
      "slug": "the-loan-store-inc-1121650",
      "canonical_url": "https://lendb.ai/lender/the-loan-store-inc-1121650",
      "loans": 229,
      "includes_brokered": true,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 35953,
      "name": "Pennymac",
      "slug": "pennymac-35953",
      "canonical_url": "https://lendb.ai/lender/pennymac-35953",
      "loans": 213,
      "includes_brokered": true,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 402761,
      "name": "U.S. Bank",
      "slug": "us-bank-402761",
      "canonical_url": "https://lendb.ai/lender/us-bank-402761",
      "loans": 190,
      "includes_brokered": false,
      "loan_officers": {
        "total": 2,
        "people": [
          {
            "nmls_id": 448213,
            "full_name": "Michelle Madsen",
            "canonical_url": "https://lendb.ai/lo/michelle-madsen-448213",
            "branch_city": "Stockton",
            "branch_state": "CA"
          },
          {
            "nmls_id": 512547,
            "full_name": "Yvonne Pham",
            "canonical_url": "https://lendb.ai/lo/yvonne-pham-512547",
            "branch_city": "Tracy",
            "branch_state": "CA"
          }
        ]
      }
    },
    {
      "nmls_id": 1791,
      "name": "Pulte Mortgage",
      "slug": "pulte-mortgage-1791",
      "canonical_url": "https://lendb.ai/lender/pulte-mortgage-1791",
      "loans": 154,
      "includes_brokered": false,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 3029,
      "name": "CrossCountry Mortgage",
      "slug": "crosscountry-mortgage-3029",
      "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
      "loans": 145,
      "includes_brokered": false,
      "loan_officers": {
        "total": 12,
        "people": [
          {
            "nmls_id": 1213496,
            "full_name": "Brandi Elgen",
            "canonical_url": "https://lendb.ai/lo/brandi-elgen-1213496",
            "branch_city": "Manteca",
            "branch_state": "CA"
          },
          {
            "nmls_id": 239427,
            "full_name": "Rudy Gonzalez",
            "canonical_url": "https://lendb.ai/lo/rudy-gonzalez-239427",
            "branch_city": "Lodi",
            "branch_state": "CA"
          },
          {
            "nmls_id": 239683,
            "full_name": "Mark Massa",
            "canonical_url": "https://lendb.ai/lo/mark-massa-239683",
            "branch_city": "Lodi",
            "branch_state": "CA"
          }
        ]
      }
    },
    {
      "nmls_id": 3925,
      "name": "Kind Lending, LLC",
      "slug": "kind-lending-3925",
      "canonical_url": "https://lendb.ai/lender/kind-lending-3925",
      "loans": 126,
      "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."
}