{
  "canonical_url": "https://lendb.ai/in/kentucky/garrard-county/conventional-loans",
  "summary": "These are lenders, not loan officers. Of the lenders LenDb lists, 36 funded conventional home loans in Garrard County, KY in 2025, 101 loans in all, per HMDA, FFIEC/CFPB data. The most active were Rocket Mortgage (16), United Wholesale Mortgage (12) and New American Funding (11). Lenders LenDb does not list yet, and lenders below the HMDA reporting thresholds, are not counted. Loan officers LenDb lists at each lender near Garrard County are linked below.",
  "county": {
    "fips": "21079",
    "name": "Garrard County",
    "state": "KY"
  },
  "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": 36,
    "lenders_10": 3,
    "loans": 101,
    "qualifies": true
  },
  "lenders": [
    {
      "nmls_id": 3030,
      "name": "Rocket Mortgage",
      "slug": "rocket-mortgage-3030",
      "canonical_url": "https://lendb.ai/lender/rocket-mortgage-3030",
      "loans": 16,
      "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": 12,
      "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": 11,
      "includes_brokered": false,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 399798,
      "name": "JPMorgan Chase Bank (Chase Home Lending)",
      "slug": "chase-399798",
      "canonical_url": "https://lendb.ai/lender/chase-399798",
      "loans": 6,
      "includes_brokered": false,
      "loan_officers": {
        "total": 3,
        "people": [
          {
            "nmls_id": 880402,
            "full_name": "Stephen Johnson",
            "canonical_url": "https://lendb.ai/lo/stephen-johnson-880402",
            "branch_city": "Richmond",
            "branch_state": "KY"
          },
          {
            "nmls_id": 1254772,
            "full_name": "Onur Camur",
            "canonical_url": "https://lendb.ai/lo/onur-camur-1254772",
            "branch_city": "Lexington",
            "branch_state": "KY"
          },
          {
            "nmls_id": 427227,
            "full_name": "Kelly Gillespie",
            "canonical_url": "https://lendb.ai/lo/kelly-gillespie-427227",
            "branch_city": "Lexington",
            "branch_state": "KY"
          }
        ]
      }
    },
    {
      "nmls_id": 2280,
      "name": "21st Mortgage Corporation",
      "slug": "21st-mortgage-corporation-2280",
      "canonical_url": "https://lendb.ai/lender/21st-mortgage-corporation-2280",
      "loans": 5,
      "includes_brokered": false,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 1561,
      "name": "Vanderbilt Mortgage and Finance, Inc.",
      "slug": "vanderbilt-mortgage-and-finance-inc-1561",
      "canonical_url": "https://lendb.ai/lender/vanderbilt-mortgage-and-finance-inc-1561",
      "loans": 4,
      "includes_brokered": false,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 403245,
      "name": "Fifth Third Bank",
      "slug": "fifth-third-bank-403245",
      "canonical_url": "https://lendb.ai/lender/fifth-third-bank-403245",
      "loans": 4,
      "includes_brokered": false,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 69551,
      "name": "GoPrime Mortgage, Inc.",
      "slug": "goprime-mortgage-inc-69551",
      "canonical_url": "https://lendb.ai/lender/goprime-mortgage-inc-69551",
      "loans": 3,
      "includes_brokered": true,
      "loan_officers": {
        "total": 1,
        "people": [
          {
            "nmls_id": 19206,
            "full_name": "Darrell Sparks",
            "canonical_url": "https://lendb.ai/lo/darrell-sparks-19206",
            "branch_city": "Lexington",
            "branch_state": "KY"
          }
        ]
      }
    },
    {
      "nmls_id": 174457,
      "name": "loanDepot",
      "slug": "loandepot-174457",
      "canonical_url": "https://lendb.ai/lender/loandepot-174457",
      "loans": 3,
      "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": 2,
      "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"
          }
        ]
      }
    }
  ],
  "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."
}