{
  "canonical_url": "https://lendb.ai/in/california/santa-clara-county/va-loans",
  "summary": "These are lenders, not loan officers. Of the lenders LenDb lists, 36 funded VA home loans in Santa Clara County, CA in 2025, 160 loans in all, per HMDA, FFIEC/CFPB data. The most active were Rocket Mortgage (33), United Wholesale Mortgage (32) and Veterans United Home Loans (14). Lenders LenDb does not list yet, and lenders below the HMDA reporting thresholds, are not counted. Loan officers LenDb lists at each lender near Santa Clara County are linked below.",
  "county": {
    "fips": "06085",
    "name": "Santa Clara County",
    "state": "CA"
  },
  "loan_type": "va",
  "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": 4,
    "loans": 160,
    "qualifies": true
  },
  "lenders": [
    {
      "nmls_id": 3030,
      "name": "Rocket Mortgage",
      "slug": "rocket-mortgage-3030",
      "canonical_url": "https://lendb.ai/lender/rocket-mortgage-3030",
      "loans": 33,
      "includes_brokered": true,
      "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": 32,
      "includes_brokered": true,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 1907,
      "name": "Veterans United Home Loans",
      "slug": "veterans-united-home-loans-1907",
      "canonical_url": "https://lendb.ai/lender/veterans-united-home-loans-1907",
      "loans": 14,
      "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": 11,
      "includes_brokered": true,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 3013,
      "name": "Newrez",
      "slug": "newrez-3013",
      "canonical_url": "https://lendb.ai/lender/newrez-3013",
      "loans": 8,
      "includes_brokered": true,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 174457,
      "name": "loanDepot",
      "slug": "loandepot-174457",
      "canonical_url": "https://lendb.ai/lender/loandepot-174457",
      "loans": 7,
      "includes_brokered": false,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 75243,
      "name": "Paramount Residential Mortgage Group",
      "slug": "paramount-residential-mortgage-group-75243",
      "canonical_url": "https://lendb.ai/lender/paramount-residential-mortgage-group-75243",
      "loans": 6,
      "includes_brokered": true,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 3274,
      "name": "Guild Mortgage",
      "slug": "guild-mortgage-3274",
      "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
      "loans": 5,
      "includes_brokered": false,
      "loan_officers": {
        "total": 6,
        "people": [
          {
            "nmls_id": 38463,
            "full_name": "Jayson Stebbins",
            "canonical_url": "https://lendb.ai/lo/jayson-stebbins-38463",
            "branch_city": "Morgan Hill",
            "branch_state": "CA"
          },
          {
            "nmls_id": 278667,
            "full_name": "John Norgard",
            "canonical_url": "https://lendb.ai/lo/john-norgard-278667",
            "branch_city": "Morgan Hill",
            "branch_state": "CA"
          },
          {
            "nmls_id": 287633,
            "full_name": "Janene Towner Chernoff",
            "canonical_url": "https://lendb.ai/lo/janene-towner-chernoff-287633",
            "branch_city": "Morgan Hill",
            "branch_state": "CA"
          }
        ]
      }
    },
    {
      "nmls_id": 399807,
      "name": "Navy Federal Credit Union",
      "slug": "navy-federal-399807",
      "canonical_url": "https://lendb.ai/lender/navy-federal-399807",
      "loans": 5,
      "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": 4,
      "includes_brokered": false,
      "loan_officers": {
        "total": 18,
        "people": [
          {
            "nmls_id": 238044,
            "full_name": "Todd Flesner",
            "canonical_url": "https://lendb.ai/lo/todd-flesner-238044",
            "branch_city": "San Jose",
            "branch_state": "CA"
          },
          {
            "nmls_id": 320770,
            "full_name": "Brandon Knapp",
            "canonical_url": "https://lendb.ai/lo/brandon-knapp-320770",
            "branch_city": "San Jose",
            "branch_state": "CA"
          },
          {
            "nmls_id": 289688,
            "full_name": "Rick Benitez",
            "canonical_url": "https://lendb.ai/lo/rick-benitez-289688",
            "branch_city": "Livermore",
            "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."
}