{
  "canonical_url": "https://lendb.ai/in/kentucky/garrard-county/usda-loans",
  "summary": "These are lenders, not loan officers. Of the lenders LenDb lists, 6 funded USDA home loans in Garrard County, KY in 2025, 6 loans in all, per HMDA, FFIEC/CFPB data. The most active were CMG Home Loans (1), Union Home Mortgage (1) and Geneva Financial (1). 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": "usda",
  "year": 2025,
  "source": "HMDA, FFIEC/CFPB",
  "source_url": "https://ffiec.cfpb.gov/data-publication/snapshot-national-loan-level-dataset/2025",
  "totals": {
    "lenders": 6,
    "lenders_10": 0,
    "loans": 6,
    "qualifies": false
  },
  "lenders": [
    {
      "nmls_id": 1820,
      "name": "CMG Home Loans",
      "slug": "cmg-home-loans-1820",
      "canonical_url": "https://lendb.ai/lender/cmg-home-loans-1820",
      "loans": 1,
      "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": 1,
      "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": 42056,
      "name": "Geneva Financial",
      "slug": "geneva-financial-42056",
      "canonical_url": "https://lendb.ai/lender/geneva-financial-42056",
      "loans": 1,
      "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": 1,
      "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": 75164,
      "name": "Prosperity Home Mortgage",
      "slug": "prosperity-home-mortgage-75164",
      "canonical_url": "https://lendb.ai/lender/prosperity-home-mortgage-75164",
      "loans": 1,
      "includes_brokered": false,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 402761,
      "name": "U.S. Bank",
      "slug": "us-bank-402761",
      "canonical_url": "https://lendb.ai/lender/us-bank-402761",
      "loans": 1,
      "includes_brokered": false,
      "loan_officers": {
        "total": 5,
        "people": [
          {
            "nmls_id": 52251,
            "full_name": "Vann Doyle",
            "canonical_url": "https://lendb.ai/lo/vann-doyle-52251",
            "branch_city": "Lexington",
            "branch_state": "KY"
          },
          {
            "nmls_id": 651978,
            "full_name": "Derek Shaffer",
            "canonical_url": "https://lendb.ai/lo/derek-shaffer-651978",
            "branch_city": "Lexington",
            "branch_state": "KY"
          },
          {
            "nmls_id": 42082,
            "full_name": "Theresa Burdette",
            "canonical_url": "https://lendb.ai/lo/theresa-burdette-42082",
            "branch_city": "Richmond",
            "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."
}