{
  "canonical_url": "https://lendb.ai/in/iowa/black-hawk-county/conventional-loans",
  "summary": "These are lenders, not loan officers. Of the lenders LenDb lists, 43 funded conventional home loans in Black Hawk County, IA in 2025, 231 loans in all, per HMDA, FFIEC/CFPB data. The most active were Rocket Mortgage (28), Guaranteed Rate (Rate) (25) and Guild Mortgage (21). Lenders LenDb does not list yet, and lenders below the HMDA reporting thresholds, are not counted. Loan officers LenDb lists at each lender near Black Hawk County are linked below.",
  "county": {
    "fips": "19013",
    "name": "Black Hawk County",
    "state": "IA"
  },
  "loan_type": "conventional",
  "year": 2025,
  "source": "HMDA, FFIEC/CFPB",
  "source_url": "https://ffiec.cfpb.gov/data-publication/snapshot-national-loan-level-dataset/2025",
  "totals": {
    "lenders": 43,
    "lenders_10": 7,
    "loans": 231,
    "qualifies": true
  },
  "lenders": [
    {
      "nmls_id": 3030,
      "name": "Rocket Mortgage",
      "slug": "rocket-mortgage-3030",
      "canonical_url": "https://lendb.ai/lender/rocket-mortgage-3030",
      "loans": 28,
      "includes_brokered": true,
      "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": 25,
      "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": 21,
      "includes_brokered": false,
      "loan_officers": {
        "total": 2,
        "people": [
          {
            "nmls_id": 929683,
            "full_name": "John Higdon",
            "canonical_url": "https://lendb.ai/lo/john-higdon-929683",
            "branch_city": "Waterloo",
            "branch_state": "IA"
          },
          {
            "nmls_id": 18221,
            "full_name": "James Whitfield",
            "canonical_url": "https://lendb.ai/lo/james-whitfield-18221",
            "branch_city": "Waterloo",
            "branch_state": "IA"
          }
        ]
      }
    },
    {
      "nmls_id": 402761,
      "name": "U.S. Bank",
      "slug": "us-bank-402761",
      "canonical_url": "https://lendb.ai/lender/us-bank-402761",
      "loans": 19,
      "includes_brokered": false,
      "loan_officers": {
        "total": 1,
        "people": [
          {
            "nmls_id": 1836497,
            "full_name": "Kelly Newton",
            "canonical_url": "https://lendb.ai/lo/kelly-newton-1836497",
            "branch_city": "Waterloo",
            "branch_state": "IA"
          }
        ]
      }
    },
    {
      "nmls_id": 35953,
      "name": "Pennymac",
      "slug": "pennymac-35953",
      "canonical_url": "https://lendb.ai/lender/pennymac-35953",
      "loans": 18,
      "includes_brokered": true,
      "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": 17,
      "includes_brokered": true,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 2280,
      "name": "21st Mortgage Corporation",
      "slug": "21st-mortgage-corporation-2280",
      "canonical_url": "https://lendb.ai/lender/21st-mortgage-corporation-2280",
      "loans": 13,
      "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": 9,
      "includes_brokered": false,
      "loan_officers": {
        "total": 1,
        "people": [
          {
            "nmls_id": 1187683,
            "full_name": "Derek Forsythe",
            "canonical_url": "https://lendb.ai/lo/derek-forsythe-1187683",
            "branch_city": "Waterloo",
            "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": 9,
      "includes_brokered": false,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 399801,
      "name": "Wells Fargo Home Mortgage",
      "slug": "wells-fargo-399801",
      "canonical_url": "https://lendb.ai/lender/wells-fargo-399801",
      "loans": 8,
      "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."
}