{
  "canonical_url": "https://lendb.ai/in/illinois/st-clair-county/usda-loans",
  "summary": "These are lenders, not loan officers. Of the lenders LenDb lists, 11 funded USDA home loans in St. Clair County, IL in 2025, 20 loans in all, per HMDA, FFIEC/CFPB data. The most active were Guild Mortgage (4), Equity Prime Mortgage LLC (4) and Guaranteed Rate (Rate) (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 St. Clair County are linked below.",
  "county": {
    "fips": "17163",
    "name": "St. Clair County",
    "state": "IL"
  },
  "loan_type": "usda",
  "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": 20,
    "qualifies": false
  },
  "lenders": [
    {
      "nmls_id": 3274,
      "name": "Guild Mortgage",
      "slug": "guild-mortgage-3274",
      "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
      "loans": 4,
      "includes_brokered": false,
      "loan_officers": {
        "total": 21,
        "people": [
          {
            "nmls_id": 275381,
            "full_name": "Michael E Vogt",
            "canonical_url": "https://lendb.ai/lo/michael-e-vogt-275381",
            "branch_city": "Swansea",
            "branch_state": "IL"
          },
          {
            "nmls_id": 236011,
            "full_name": "Dino Herenda",
            "canonical_url": "https://lendb.ai/lo/dino-herenda-236011",
            "branch_city": "St Louis",
            "branch_state": "MO"
          },
          {
            "nmls_id": 229005,
            "full_name": "Jeffrey Pasternak",
            "canonical_url": "https://lendb.ai/lo/jeffrey-pasternak-229005",
            "branch_city": "St Louis",
            "branch_state": "MO"
          }
        ]
      }
    },
    {
      "nmls_id": 21116,
      "name": "Equity Prime Mortgage LLC",
      "slug": "equity-prime-mortgage-llc-21116",
      "canonical_url": "https://lendb.ai/lender/equity-prime-mortgage-llc-21116",
      "loans": 4,
      "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": 3,
      "includes_brokered": false,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 30998,
      "name": "Delmar Financial Company",
      "slug": "delmar-financial-company-30998",
      "canonical_url": "https://lendb.ai/lender/delmar-financial-company-30998",
      "loans": 2,
      "includes_brokered": false,
      "loan_officers": {
        "total": 9,
        "people": [
          {
            "nmls_id": 249972,
            "full_name": "Ken Sheehan",
            "canonical_url": "https://lendb.ai/lo/ken-sheehan-249972",
            "branch_city": null,
            "branch_state": "IL"
          },
          {
            "nmls_id": 362543,
            "full_name": "Patricia (Patti) Dieu",
            "canonical_url": "https://lendb.ai/lo/patricia-patti-dieu-362543",
            "branch_city": null,
            "branch_state": "IL"
          },
          {
            "nmls_id": 2768035,
            "full_name": "Teena Billings",
            "canonical_url": "https://lendb.ai/lo/teena-billings-2768035",
            "branch_city": null,
            "branch_state": "IL"
          }
        ]
      }
    },
    {
      "nmls_id": 2289,
      "name": "Fairway Independent Mortgage Corporation",
      "slug": "fairway-independent-mortgage-2289",
      "canonical_url": "https://lendb.ai/lender/fairway-independent-mortgage-2289",
      "loans": 1,
      "includes_brokered": false,
      "loan_officers": {
        "total": 3,
        "people": [
          {
            "nmls_id": 362917,
            "full_name": "Aaron Eversmeyer",
            "canonical_url": "https://lendb.ai/lo/aaron-eversmeyer-362917",
            "branch_city": "Columbia",
            "branch_state": "IL"
          },
          {
            "nmls_id": 2158241,
            "full_name": "Roger Gemoules",
            "canonical_url": "https://lendb.ai/lo/roger-gemoules-2158241",
            "branch_city": "Columbia",
            "branch_state": "IL"
          },
          {
            "nmls_id": 2291320,
            "full_name": "Terri Tish",
            "canonical_url": "https://lendb.ai/lo/terri-tish-2291320",
            "branch_city": "Columbia",
            "branch_state": "IL"
          }
        ]
      }
    },
    {
      "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": 1,
      "includes_brokered": true,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 6606,
      "name": "New American Funding",
      "slug": "new-american-funding-6606",
      "canonical_url": "https://lendb.ai/lender/new-american-funding-6606",
      "loans": 1,
      "includes_brokered": false,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 174490,
      "name": "Regions Bank",
      "slug": "regions-bank-174490",
      "canonical_url": "https://lendb.ai/lender/regions-bank-174490",
      "loans": 1,
      "includes_brokered": false,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 222524,
      "name": "Endeavor Capital, LLC",
      "slug": "endeavor-capital-llc-222524",
      "canonical_url": "https://lendb.ai/lender/endeavor-capital-llc-222524",
      "loans": 1,
      "includes_brokered": false,
      "loan_officers": {
        "total": 2,
        "people": [
          {
            "nmls_id": 223638,
            "full_name": "JR Obrecht",
            "canonical_url": "https://lendb.ai/lo/stanley-obrecht-223638",
            "branch_city": "Edwardsville",
            "branch_state": "IL"
          },
          {
            "nmls_id": 1984081,
            "full_name": "Jason Doore",
            "canonical_url": "https://lendb.ai/lo/jason-doore-1984081",
            "branch_city": "Edwardsville",
            "branch_state": "IL"
          }
        ]
      }
    },
    {
      "nmls_id": 224149,
      "name": "Flat Branch Mortgage, Inc.",
      "slug": "flat-branch-mortgage-inc-224149",
      "canonical_url": "https://lendb.ai/lender/flat-branch-mortgage-inc-224149",
      "loans": 1,
      "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."
}