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

These are lenders, not loan officers. Of the lenders LenDb lists, 13 funded VA home loans in Garrard County, KY in 2025, 35 loans in all, per HMDA, FFIEC/CFPB data. The most active were Veterans United Home Loans (10), Rocket Mortgage (6) and Freedom 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 VA loans funded, 2025

1. **[Veterans United Home Loans](https://lendb.ai/lender/veterans-united-home-loans-1907)**: 10 VA loans
   - LenDb does not list loan officers at this lender near Garrard County yet.
2. **[Rocket Mortgage](https://lendb.ai/lender/rocket-mortgage-3030)**: 6 VA loans funded, including loans brokers originated
   - LenDb does not list loan officers at this lender near Garrard County yet.
3. **[Freedom Mortgage](https://lendb.ai/lender/freedom-mortgage-2767)**: 5 VA loans
   - LenDb does not list loan officers at this lender near Garrard County yet.
4. **[Union Home Mortgage](https://lendb.ai/lender/union-home-mortgage-2229)**: 2 VA 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))
5. **[United Wholesale Mortgage](https://lendb.ai/lender/united-wholesale-mortgage-3038)**: 2 VA loans funded, including loans brokers originated
   - LenDb does not list loan officers at this lender near Garrard County yet.
6. **[Pennymac](https://lendb.ai/lender/pennymac-35953)**: 2 VA loans funded, including loans brokers originated
   - LenDb does not list loan officers at this lender near Garrard County yet.
7. **[Navy Federal Credit Union](https://lendb.ai/lender/navy-federal-399807)**: 2 VA loans
   - LenDb does not list loan officers at this lender near Garrard County yet.
8. **[NewDay USA](https://lendb.ai/lender/newday-usa-1043)**: 1 VA loans
   - LenDb does not list loan officers at this lender near Garrard County yet.
9. **[Towne Mortgage Company](https://lendb.ai/lender/towne-mortgage-company-3028)**: 1 VA loans funded, including loans brokers originated
   - LenDb does not list loan officers at this lender near Garrard County yet.
10. **[Sun West Mortgage](https://lendb.ai/lender/sun-west-mortgage-3277)**: 1 VA loans funded, including loans brokers originated
   - 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/va-loans.

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