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canonical_url: https://lendb.ai/in/kentucky/garrard-county/fha-loans
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# Top lenders for FHA loans in Garrard County, KY

These are lenders, not loan officers. Of the lenders LenDb lists, 33 funded FHA home loans in Garrard County, KY in 2025, 66 loans in all, per HMDA, FFIEC/CFPB data. The most active were New American Funding (13), Rocket Mortgage (9) and United Wholesale Mortgage (5). 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.

## Most FHA loans funded, 2025

1. **[New American Funding](https://lendb.ai/lender/new-american-funding-6606)**: 13 FHA loans
   - LenDb does not list loan officers at this lender near Garrard County yet.
2. **[Rocket Mortgage](https://lendb.ai/lender/rocket-mortgage-3030)**: 9 FHA loans funded, including loans brokers originated
   - LenDb does not list loan officers at this lender near Garrard County yet.
3. **[United Wholesale Mortgage](https://lendb.ai/lender/united-wholesale-mortgage-3038)**: 5 FHA loans funded, including loans brokers originated
   - LenDb does not list loan officers at this lender near Garrard County yet.
4. **[Luminate Bank](https://lendb.ai/lender/luminate-bank-1281698)**: 4 FHA loans
   - LenDb does not list loan officers at this lender near Garrard County yet.
5. **[Stockton Mortgage Corporation](https://lendb.ai/lender/stockton-mortgage-corporation-8259)**: 3 FHA loans
   - LenDb does not list loan officers at this lender near Garrard County yet.
6. **[Union Home Mortgage](https://lendb.ai/lender/union-home-mortgage-2229)**: 2 FHA loans funded, including loans brokers originated
   - Loan officers LenDb lists at this lender near Garrard County: 3 ([Tina McCandless](https://lendb.ai/lo/tina-mccandless-55952), [Deborah Allred Santiago](https://lendb.ai/lo/deborah-allred-santiago-894630), [Caleb Brackin](https://lendb.ai/lo/caleb-brackin-2000865))
7. **[SWBC Mortgage](https://lendb.ai/lender/swbc-mortgage-9741)**: 2 FHA loans
   - LenDb does not list loan officers at this lender near Garrard County yet.
8. **[U.S. Bank](https://lendb.ai/lender/us-bank-402761)**: 2 FHA loans
   - Loan officers LenDb lists at this lender near Garrard County: 5 ([Vann Doyle](https://lendb.ai/lo/vann-doyle-52251), [Derek Shaffer](https://lendb.ai/lo/derek-shaffer-651978), [Theresa Burdette](https://lendb.ai/lo/theresa-burdette-42082), more on the lender page)
9. **[Lower](https://lendb.ai/lender/lower-1124061)**: 2 FHA loans funded, including loans brokers originated
   - LenDb does not list loan officers at this lender near Garrard County yet.
10. **[AmeriSave Mortgage](https://lendb.ai/lender/amerisave-mortgage-1168)**: 1 FHA loans
   - LenDb does not list loan officers at this lender near Garrard County yet.

Source: [HMDA, FFIEC/CFPB, 2025](https://ffiec.cfpb.gov/data-publication/snapshot-national-loan-level-dataset/2025). 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.

Cite as: LenDb.ai, https://lendb.ai/in/kentucky/garrard-county/fha-loans.

_Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._