{
  "canonical_url": "https://lendb.ai/in/iowa/benton-county/usda-loans",
  "summary": "These are lenders, not loan officers. Of the lenders LenDb lists, 7 funded USDA home loans in Benton County, IA in 2025, 14 loans in all, per HMDA, FFIEC/CFPB data. The most active were MLD Mortgage Inc. (6), Flat Branch Mortgage, Inc. (3) and Towne Mortgage Company (1). Lenders LenDb does not list yet, and lenders below the HMDA reporting thresholds, are not counted. Loan officers LenDb lists at each lender near Benton County are linked below.",
  "county": {
    "fips": "19011",
    "name": "Benton County",
    "state": "IA"
  },
  "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": 7,
    "lenders_10": 0,
    "loans": 14,
    "qualifies": false
  },
  "lenders": [
    {
      "nmls_id": 1019,
      "name": "MLD Mortgage Inc.",
      "slug": "mld-mortgage-inc-1019",
      "canonical_url": "https://lendb.ai/lender/mld-mortgage-inc-1019",
      "loans": 6,
      "includes_brokered": false,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "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": 3,
      "includes_brokered": false,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 3028,
      "name": "Towne Mortgage Company",
      "slug": "towne-mortgage-company-3028",
      "canonical_url": "https://lendb.ai/lender/towne-mortgage-company-3028",
      "loans": 1,
      "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": 1,
      "includes_brokered": false,
      "loan_officers": {
        "total": 6,
        "people": [
          {
            "nmls_id": 2584925,
            "full_name": "Austin Howe",
            "canonical_url": "https://lendb.ai/lo/austin-howe-2584925",
            "branch_city": "Cedar Rapids",
            "branch_state": "IA"
          },
          {
            "nmls_id": 929683,
            "full_name": "John Higdon",
            "canonical_url": "https://lendb.ai/lo/john-higdon-929683",
            "branch_city": "Waterloo",
            "branch_state": "IA"
          },
          {
            "nmls_id": 10129,
            "full_name": "Stacy Feldman",
            "canonical_url": "https://lendb.ai/lo/stacy-feldman-10129",
            "branch_city": "Cedar Rapids",
            "branch_state": "IA"
          }
        ]
      }
    },
    {
      "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": 186434,
      "name": "Waterstone Mortgage",
      "slug": "waterstone-mortgage-186434",
      "canonical_url": "https://lendb.ai/lender/waterstone-mortgage-186434",
      "loans": 1,
      "includes_brokered": false,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 402761,
      "name": "U.S. Bank",
      "slug": "us-bank-402761",
      "canonical_url": "https://lendb.ai/lender/us-bank-402761",
      "loans": 1,
      "includes_brokered": false,
      "loan_officers": {
        "total": 2,
        "people": [
          {
            "nmls_id": 501984,
            "full_name": "James Erickson",
            "canonical_url": "https://lendb.ai/lo/james-erickson-501984",
            "branch_city": "Cedar Rapids",
            "branch_state": "IA"
          },
          {
            "nmls_id": 1836497,
            "full_name": "Kelly Newton",
            "canonical_url": "https://lendb.ai/lo/kelly-newton-1836497",
            "branch_city": "Waterloo",
            "branch_state": "IA"
          }
        ]
      }
    }
  ],
  "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."
}