{
  "canonical_url": "https://lendb.ai/in/kentucky/montgomery-county/fha-loans",
  "summary": "These are lenders, not loan officers. Of the lenders LenDb lists, 35 funded FHA home loans in Montgomery County, KY in 2025, 112 loans in all, per HMDA, FFIEC/CFPB data. The most active were Republic State Mortgage Co. (27), Rocket Mortgage (12) and United Wholesale Mortgage (9). Lenders LenDb does not list yet, and lenders below the HMDA reporting thresholds, are not counted. Loan officers LenDb lists at each lender near Montgomery County are linked below.",
  "county": {
    "fips": "21173",
    "name": "Montgomery County",
    "state": "KY"
  },
  "loan_type": "fha",
  "year": 2025,
  "source": "HMDA, FFIEC/CFPB",
  "source_url": "https://ffiec.cfpb.gov/data-publication/snapshot-national-loan-level-dataset/2025",
  "totals": {
    "lenders": 35,
    "lenders_10": 2,
    "loans": 112,
    "qualifies": false
  },
  "lenders": [
    {
      "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": 27,
      "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": 3030,
      "name": "Rocket Mortgage",
      "slug": "rocket-mortgage-3030",
      "canonical_url": "https://lendb.ai/lender/rocket-mortgage-3030",
      "loans": 12,
      "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": 9,
      "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": 8,
      "includes_brokered": false,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 1124061,
      "name": "Lower",
      "slug": "lower-1124061",
      "canonical_url": "https://lendb.ai/lender/lower-1124061",
      "loans": 5,
      "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": 4,
      "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"
          }
        ]
      }
    },
    {
      "nmls_id": 8259,
      "name": "Stockton Mortgage Corporation",
      "slug": "stockton-mortgage-corporation-8259",
      "canonical_url": "https://lendb.ai/lender/stockton-mortgage-corporation-8259",
      "loans": 4,
      "includes_brokered": false,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 35953,
      "name": "Pennymac",
      "slug": "pennymac-35953",
      "canonical_url": "https://lendb.ai/lender/pennymac-35953",
      "loans": 4,
      "includes_brokered": true,
      "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": 4,
      "includes_brokered": false,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "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": 3,
      "includes_brokered": false,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    }
  ],
  "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."
}