{
  "canonical_url": "https://lendb.ai/in/california/stanislaus-county/va-loans",
  "summary": "These are lenders, not loan officers. Of the lenders LenDb lists, 58 funded VA home loans in Stanislaus County, CA in 2025, 412 loans in all, per HMDA, FFIEC/CFPB data. The most active were United Wholesale Mortgage (82), Veterans United Home Loans (45) and Rocket Mortgage (43). 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": "va",
  "year": 2025,
  "source": "HMDA, FFIEC/CFPB",
  "source_url": "https://ffiec.cfpb.gov/data-publication/snapshot-national-loan-level-dataset/2025",
  "totals": {
    "lenders": 58,
    "lenders_10": 11,
    "loans": 412,
    "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": 82,
      "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": 45,
      "includes_brokered": false,
      "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": 43,
      "includes_brokered": true,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 2767,
      "name": "Freedom Mortgage",
      "slug": "freedom-mortgage-2767",
      "canonical_url": "https://lendb.ai/lender/freedom-mortgage-2767",
      "loans": 32,
      "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": 17,
      "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": 1542802,
      "name": "KBHS Home Loans, LLC",
      "slug": "kbhs-home-loans-llc-1542802",
      "canonical_url": "https://lendb.ai/lender/kbhs-home-loans-llc-1542802",
      "loans": 15,
      "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": 14,
      "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": 2611,
      "name": "Guaranteed Rate (Rate)",
      "slug": "guaranteed-rate-2611",
      "canonical_url": "https://lendb.ai/lender/guaranteed-rate-2611",
      "loans": 12,
      "includes_brokered": false,
      "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": 10,
      "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": 10,
      "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."
}