{
  "canonical_url": "https://lendb.ai/in/california/stanislaus-county/fha-loans",
  "summary": "These are lenders, not loan officers. Of the lenders LenDb lists, 105 funded FHA home loans in Stanislaus County, CA in 2025, 1,585 loans in all, per HMDA, FFIEC/CFPB data. The most active were United Wholesale Mortgage (319), Rocket Mortgage (109) and CrossCountry Mortgage (101). 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": "fha",
  "year": 2025,
  "source": "HMDA, FFIEC/CFPB",
  "source_url": "https://ffiec.cfpb.gov/data-publication/snapshot-national-loan-level-dataset/2025",
  "totals": {
    "lenders": 105,
    "lenders_10": 28,
    "loans": 1585,
    "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": 319,
      "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": 109,
      "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": 101,
      "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": 1542802,
      "name": "KBHS Home Loans, LLC",
      "slug": "kbhs-home-loans-llc-1542802",
      "canonical_url": "https://lendb.ai/lender/kbhs-home-loans-llc-1542802",
      "loans": 65,
      "includes_brokered": false,
      "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": 62,
      "includes_brokered": false,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 2611,
      "name": "Guaranteed Rate (Rate)",
      "slug": "guaranteed-rate-2611",
      "canonical_url": "https://lendb.ai/lender/guaranteed-rate-2611",
      "loans": 58,
      "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": 58,
      "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": 3925,
      "name": "Kind Lending, LLC",
      "slug": "kind-lending-3925",
      "canonical_url": "https://lendb.ai/lender/kind-lending-3925",
      "loans": 58,
      "includes_brokered": true,
      "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": 53,
      "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": 2767,
      "name": "Freedom Mortgage",
      "slug": "freedom-mortgage-2767",
      "canonical_url": "https://lendb.ai/lender/freedom-mortgage-2767",
      "loans": 45,
      "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."
}