{
  "canonical_url": "https://lendb.ai/in/kentucky/clark-county/fha-loans",
  "summary": "These are lenders, not loan officers. Of the lenders LenDb lists, 39 funded FHA home loans in Clark County, KY in 2025, 111 loans in all, per HMDA, FFIEC/CFPB data. The most active were Republic State Mortgage Co. (16), Rocket Mortgage (14) and New American Funding (10). Lenders LenDb does not list yet, and lenders below the HMDA reporting thresholds, are not counted. Loan officers LenDb lists at each lender near Clark County are linked below.",
  "county": {
    "fips": "21049",
    "name": "Clark County",
    "state": "KY"
  },
  "loan_type": "fha",
  "year": 2025,
  "source": "HMDA, FFIEC/CFPB",
  "source_url": "https://ffiec.cfpb.gov/data-publication/snapshot-national-loan-level-dataset/2025",
  "totals": {
    "lenders": 39,
    "lenders_10": 3,
    "loans": 111,
    "qualifies": true
  },
  "lenders": [
    {
      "nmls_id": 62411,
      "name": "Republic State Mortgage Co.",
      "slug": "republic-state-mortgage-co-62411",
      "canonical_url": "https://lendb.ai/lender/republic-state-mortgage-co-62411",
      "loans": 16,
      "includes_brokered": false,
      "loan_officers": {
        "total": 7,
        "people": [
          {
            "nmls_id": 62044,
            "full_name": "Marty Layman",
            "canonical_url": "https://lendb.ai/lo/marty-layman-62044",
            "branch_city": "Winchester",
            "branch_state": "KY"
          },
          {
            "nmls_id": 148936,
            "full_name": "Chad Hays",
            "canonical_url": "https://lendb.ai/lo/chad-hays-148936",
            "branch_city": "Winchester",
            "branch_state": "KY"
          },
          {
            "nmls_id": 464513,
            "full_name": "Pat O'Laughlin",
            "canonical_url": "https://lendb.ai/lo/pat-o-laughlin-464513",
            "branch_city": "Winchester",
            "branch_state": "KY"
          }
        ]
      }
    },
    {
      "nmls_id": 3030,
      "name": "Rocket Mortgage",
      "slug": "rocket-mortgage-3030",
      "canonical_url": "https://lendb.ai/lender/rocket-mortgage-3030",
      "loans": 14,
      "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": 10,
      "includes_brokered": false,
      "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": 6,
      "includes_brokered": false,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 2229,
      "name": "Union Home Mortgage",
      "slug": "union-home-mortgage-2229",
      "canonical_url": "https://lendb.ai/lender/union-home-mortgage-2229",
      "loans": 5,
      "includes_brokered": true,
      "loan_officers": {
        "total": 3,
        "people": [
          {
            "nmls_id": 55952,
            "full_name": "Tina McCandless",
            "canonical_url": "https://lendb.ai/lo/tina-mccandless-55952",
            "branch_city": "Lexington",
            "branch_state": "KY"
          },
          {
            "nmls_id": 894630,
            "full_name": "Deborah Allred Santiago",
            "canonical_url": "https://lendb.ai/lo/deborah-allred-santiago-894630",
            "branch_city": "Lexington",
            "branch_state": "KY"
          },
          {
            "nmls_id": 2000865,
            "full_name": "Caleb Brackin",
            "canonical_url": "https://lendb.ai/lo/caleb-brackin-2000865",
            "branch_city": "Lexington",
            "branch_state": "KY"
          }
        ]
      }
    },
    {
      "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": 5,
      "includes_brokered": true,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 8259,
      "name": "Stockton Mortgage Corporation",
      "slug": "stockton-mortgage-corporation-8259",
      "canonical_url": "https://lendb.ai/lender/stockton-mortgage-corporation-8259",
      "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": 3029,
      "name": "CrossCountry Mortgage",
      "slug": "crosscountry-mortgage-3029",
      "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
      "loans": 3,
      "includes_brokered": false,
      "loan_officers": {
        "total": 4,
        "people": [
          {
            "nmls_id": 338565,
            "full_name": "Jason Heflin",
            "canonical_url": "https://lendb.ai/lo/jason-heflin-338565",
            "branch_city": "Lexington",
            "branch_state": "KY"
          },
          {
            "nmls_id": 1822482,
            "full_name": "Randy Lawrence",
            "canonical_url": "https://lendb.ai/lo/randy-lawrence-1822482",
            "branch_city": "Lexington",
            "branch_state": "KY"
          },
          {
            "nmls_id": 2123084,
            "full_name": "Katelyn Watkins",
            "canonical_url": "https://lendb.ai/lo/katelyn-watkins-2123084",
            "branch_city": "Lexington",
            "branch_state": "KY"
          }
        ]
      }
    },
    {
      "nmls_id": 3925,
      "name": "Kind Lending, LLC",
      "slug": "kind-lending-3925",
      "canonical_url": "https://lendb.ai/lender/kind-lending-3925",
      "loans": 3,
      "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."
}