{
  "canonical_url": "https://lendb.ai/in/kentucky/clark-county/va-loans",
  "summary": "These are lenders, not loan officers. Of the lenders LenDb lists, 24 funded VA home loans in Clark County, KY in 2025, 75 loans in all, per HMDA, FFIEC/CFPB data. The most active were Veterans United Home Loans (16), United Wholesale Mortgage (8) and Freedom Mortgage (7). 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": "va",
  "year": 2025,
  "source": "HMDA, FFIEC/CFPB",
  "source_url": "https://ffiec.cfpb.gov/data-publication/snapshot-national-loan-level-dataset/2025",
  "totals": {
    "lenders": 24,
    "lenders_10": 1,
    "loans": 75,
    "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": 16,
      "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": 8,
      "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": 7,
      "includes_brokered": false,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 3030,
      "name": "Rocket Mortgage",
      "slug": "rocket-mortgage-3030",
      "canonical_url": "https://lendb.ai/lender/rocket-mortgage-3030",
      "loans": 6,
      "includes_brokered": true,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "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": 5,
      "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": 34391,
      "name": "Mortgage Investors Group",
      "slug": "mortgage-investors-group-34391",
      "canonical_url": "https://lendb.ai/lender/mortgage-investors-group-34391",
      "loans": 4,
      "includes_brokered": true,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 1043,
      "name": "NewDay USA",
      "slug": "newday-usa-1043",
      "canonical_url": "https://lendb.ai/lender/newday-usa-1043",
      "loans": 3,
      "includes_brokered": false,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 1281698,
      "name": "Luminate Bank",
      "slug": "luminate-bank-1281698",
      "canonical_url": "https://lendb.ai/lender/luminate-bank-1281698",
      "loans": 3,
      "includes_brokered": false,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 3013,
      "name": "Newrez",
      "slug": "newrez-3013",
      "canonical_url": "https://lendb.ai/lender/newrez-3013",
      "loans": 2,
      "includes_brokered": true,
      "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": 2,
      "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"
          }
        ]
      }
    }
  ],
  "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."
}