{
  "canonical_url": "https://lendb.ai/in/idaho/franklin-county/va-loans",
  "summary": "These are lenders, not loan officers. Of the lenders LenDb lists, 11 funded VA home loans in Franklin County, ID in 2025, 21 loans in all, per HMDA, FFIEC/CFPB data. The most active were Veterans United Home Loans (4), United Wholesale Mortgage (3) and Guild Mortgage (3). Lenders LenDb does not list yet, and lenders below the HMDA reporting thresholds, are not counted. Loan officers LenDb lists at each lender near Franklin County are linked below.",
  "county": {
    "fips": "16041",
    "name": "Franklin County",
    "state": "ID"
  },
  "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": 11,
    "lenders_10": 0,
    "loans": 21,
    "qualifies": false
  },
  "lenders": [
    {
      "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": 4,
      "includes_brokered": false,
      "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": 3,
      "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": 3,
      "includes_brokered": false,
      "loan_officers": {
        "total": 1,
        "people": [
          {
            "nmls_id": 80226,
            "full_name": "Karen Nielson",
            "canonical_url": "https://lendb.ai/lo/karen-nielson-80226",
            "branch_city": "Logan",
            "branch_state": "UT"
          }
        ]
      }
    },
    {
      "nmls_id": 2229,
      "name": "Union Home Mortgage",
      "slug": "union-home-mortgage-2229",
      "canonical_url": "https://lendb.ai/lender/union-home-mortgage-2229",
      "loans": 2,
      "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": 2,
      "includes_brokered": false,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 237341,
      "name": "American Financial Network",
      "slug": "american-financial-network-237341",
      "canonical_url": "https://lendb.ai/lender/american-financial-network-237341",
      "loans": 2,
      "includes_brokered": true,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 1788,
      "name": "Sierra Pacific Mortgage Company Inc",
      "slug": "sierra-pacific-mortgage-company-inc-1788",
      "canonical_url": "https://lendb.ai/lender/sierra-pacific-mortgage-company-inc-1788",
      "loans": 1,
      "includes_brokered": true,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 2731,
      "name": "Mortgage Access Corp.",
      "slug": "mortgage-access-corp-2731",
      "canonical_url": "https://lendb.ai/lender/mortgage-access-corp-2731",
      "loans": 1,
      "includes_brokered": false,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 2826,
      "name": "American Financial Resources, LLC",
      "slug": "american-financial-resources-llc-2826",
      "canonical_url": "https://lendb.ai/lender/american-financial-resources-llc-2826",
      "loans": 1,
      "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": 1,
      "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."
}