{
  "canonical_url": "https://lendb.ai/in/california/stanislaus-county/conventional-loans",
  "summary": "These are lenders, not loan officers. Of the lenders LenDb lists, 167 funded conventional home loans in Stanislaus County, CA in 2025, 4,052 loans in all, per HMDA, FFIEC/CFPB data. The most active were Rocket Mortgage (594), United Wholesale Mortgage (478) and CrossCountry Mortgage (180). Lenders LenDb does not list yet, and lenders below the HMDA reporting thresholds, are not counted. Loan officers LenDb lists at each lender near Stanislaus County are linked below.",
  "county": {
    "fips": "06099",
    "name": "Stanislaus 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": 167,
    "lenders_10": 63,
    "loans": 4052,
    "qualifies": true
  },
  "lenders": [
    {
      "nmls_id": 3030,
      "name": "Rocket Mortgage",
      "slug": "rocket-mortgage-3030",
      "canonical_url": "https://lendb.ai/lender/rocket-mortgage-3030",
      "loans": 594,
      "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": 478,
      "includes_brokered": true,
      "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": 180,
      "includes_brokered": false,
      "loan_officers": {
        "total": 8,
        "people": [
          {
            "nmls_id": 249413,
            "full_name": "Sondra Yates",
            "canonical_url": "https://lendb.ai/lo/sondra-yates-249413",
            "branch_city": "Modesto",
            "branch_state": "CA"
          },
          {
            "nmls_id": 284497,
            "full_name": "Ruby Oliveira",
            "canonical_url": "https://lendb.ai/lo/ruby-oliveira-284497",
            "branch_city": "Turlock",
            "branch_state": "CA"
          },
          {
            "nmls_id": 292640,
            "full_name": "Sonia Garibay",
            "canonical_url": "https://lendb.ai/lo/sonia-garibay-292640",
            "branch_city": "Turlock",
            "branch_state": "CA"
          }
        ]
      }
    },
    {
      "nmls_id": 1850,
      "name": "American Pacific Mortgage",
      "slug": "american-pacific-mortgage-1850",
      "canonical_url": "https://lendb.ai/lender/american-pacific-mortgage-1850",
      "loans": 138,
      "includes_brokered": false,
      "loan_officers": {
        "total": 3,
        "people": [
          {
            "nmls_id": 225085,
            "full_name": "Rick Hall",
            "canonical_url": "https://lendb.ai/lo/rick-hall-225085",
            "branch_city": "Modesto",
            "branch_state": "CA"
          },
          {
            "nmls_id": 256993,
            "full_name": "Peter Kovacs",
            "canonical_url": "https://lendb.ai/lo/peter-kovacs-256993",
            "branch_city": "Modesto",
            "branch_state": "CA"
          },
          {
            "nmls_id": 257123,
            "full_name": "Robert Zedlitz",
            "canonical_url": "https://lendb.ai/lo/robert-zedlitz-257123",
            "branch_city": "Modesto",
            "branch_state": "CA"
          }
        ]
      }
    },
    {
      "nmls_id": 3925,
      "name": "Kind Lending, LLC",
      "slug": "kind-lending-3925",
      "canonical_url": "https://lendb.ai/lender/kind-lending-3925",
      "loans": 134,
      "includes_brokered": true,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 252939,
      "name": "Generations Home Loans, LLC",
      "slug": "generations-home-loans-llc-252939",
      "canonical_url": "https://lendb.ai/lender/generations-home-loans-llc-252939",
      "loans": 128,
      "includes_brokered": false,
      "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": 116,
      "includes_brokered": false,
      "loan_officers": {
        "total": 3,
        "people": [
          {
            "nmls_id": 248573,
            "full_name": "Allison Carroll Schwartz",
            "canonical_url": "https://lendb.ai/lo/allison-carroll-schwartz-248573",
            "branch_city": "Oakdale",
            "branch_state": "CA"
          },
          {
            "nmls_id": 201469,
            "full_name": "Stephanie Remmen",
            "canonical_url": "https://lendb.ai/lo/stephanie-remmen-201469",
            "branch_city": "Manteca",
            "branch_state": "CA"
          },
          {
            "nmls_id": 257972,
            "full_name": "Jim Camara",
            "canonical_url": "https://lendb.ai/lo/jim-camara-257972",
            "branch_city": "Manteca",
            "branch_state": "CA"
          }
        ]
      }
    },
    {
      "nmls_id": 399798,
      "name": "JPMorgan Chase Bank (Chase Home Lending)",
      "slug": "chase-399798",
      "canonical_url": "https://lendb.ai/lender/chase-399798",
      "loans": 116,
      "includes_brokered": false,
      "loan_officers": {
        "total": 3,
        "people": [
          {
            "nmls_id": 396807,
            "full_name": "Ivonne Valenzuela",
            "canonical_url": "https://lendb.ai/lo/ivonne-valenzuela-396807",
            "branch_city": "Modesto",
            "branch_state": "CA"
          },
          {
            "nmls_id": 692764,
            "full_name": "Eloy Bugarin",
            "canonical_url": "https://lendb.ai/lo/eloy-bugarin-692764",
            "branch_city": "Modesto",
            "branch_state": "CA"
          },
          {
            "nmls_id": 1253776,
            "full_name": "Peter F Stebbins",
            "canonical_url": "https://lendb.ai/lo/peter-f-stebbins-1253776",
            "branch_city": "Tracy",
            "branch_state": "CA"
          }
        ]
      }
    },
    {
      "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": 111,
      "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": 107,
      "includes_brokered": false,
      "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."
}