{
  "canonical_url": "https://lendb.ai/in/kentucky/oldham-county/conventional-loans",
  "summary": "These are lenders, not loan officers. Of the lenders LenDb lists, 84 funded conventional home loans in Oldham County, KY in 2025, 709 loans in all, per HMDA, FFIEC/CFPB data. The most active were Rocket Mortgage (110), United Wholesale Mortgage (74) and Pulte Mortgage (37). Lenders LenDb does not list yet, and lenders below the HMDA reporting thresholds, are not counted. Loan officers LenDb lists at each lender near Oldham County are linked below.",
  "county": {
    "fips": "21185",
    "name": "Oldham 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": 84,
    "lenders_10": 18,
    "loans": 709,
    "qualifies": true
  },
  "lenders": [
    {
      "nmls_id": 3030,
      "name": "Rocket Mortgage",
      "slug": "rocket-mortgage-3030",
      "canonical_url": "https://lendb.ai/lender/rocket-mortgage-3030",
      "loans": 110,
      "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": 74,
      "includes_brokered": true,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 1791,
      "name": "Pulte Mortgage",
      "slug": "pulte-mortgage-1791",
      "canonical_url": "https://lendb.ai/lender/pulte-mortgage-1791",
      "loans": 37,
      "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": 29,
      "includes_brokered": false,
      "loan_officers": {
        "total": 3,
        "people": [
          {
            "nmls_id": 12833,
            "full_name": "Lydia Shina",
            "canonical_url": "https://lendb.ai/lo/lydia-shina-12833",
            "branch_city": "Louisville",
            "branch_state": "KY"
          },
          {
            "nmls_id": 1216767,
            "full_name": "Desmond Flowers",
            "canonical_url": "https://lendb.ai/lo/desmond-flowers-1216767",
            "branch_city": "Louisville",
            "branch_state": "KY"
          },
          {
            "nmls_id": 1963421,
            "full_name": "Aaron Schaeffer",
            "canonical_url": "https://lendb.ai/lo/aaron-schaeffer-1963421",
            "branch_city": "Louisville",
            "branch_state": "KY"
          }
        ]
      }
    },
    {
      "nmls_id": 2289,
      "name": "Fairway Independent Mortgage Corporation",
      "slug": "fairway-independent-mortgage-2289",
      "canonical_url": "https://lendb.ai/lender/fairway-independent-mortgage-2289",
      "loans": 29,
      "includes_brokered": false,
      "loan_officers": {
        "total": 13,
        "people": [
          {
            "nmls_id": 51792,
            "full_name": "Steve Renfro",
            "canonical_url": "https://lendb.ai/lo/steve-renfro-51792",
            "branch_city": "Louisville",
            "branch_state": "KY"
          },
          {
            "nmls_id": 52494,
            "full_name": "Jason Lawrence",
            "canonical_url": "https://lendb.ai/lo/jason-lawrence-52494",
            "branch_city": "Louisville",
            "branch_state": "KY"
          },
          {
            "nmls_id": 426528,
            "full_name": "Jason B McPherson",
            "canonical_url": "https://lendb.ai/lo/jason-mcpherson-426528",
            "branch_city": "Louisville",
            "branch_state": "KY"
          }
        ]
      }
    },
    {
      "nmls_id": 403245,
      "name": "Fifth Third Bank",
      "slug": "fifth-third-bank-403245",
      "canonical_url": "https://lendb.ai/lender/fifth-third-bank-403245",
      "loans": 29,
      "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": 28,
      "includes_brokered": false,
      "loan_officers": {
        "total": 6,
        "people": [
          {
            "nmls_id": 42271,
            "full_name": "Hal Holbrook II",
            "canonical_url": "https://lendb.ai/lo/hal-holbrook-ii-42271",
            "branch_city": "Louisville",
            "branch_state": "KY"
          },
          {
            "nmls_id": 17499,
            "full_name": "Vincent Smith",
            "canonical_url": "https://lendb.ai/lo/vincent-smith-17499",
            "branch_city": "Louisville",
            "branch_state": "KY"
          },
          {
            "nmls_id": 443616,
            "full_name": "Cindy Darnall Johnson",
            "canonical_url": "https://lendb.ai/lo/cindy-darnall-johnson-443616",
            "branch_city": "Louisville",
            "branch_state": "KY"
          }
        ]
      }
    },
    {
      "nmls_id": 1121650,
      "name": "The Loan Store, Inc.",
      "slug": "the-loan-store-inc-1121650",
      "canonical_url": "https://lendb.ai/lender/the-loan-store-inc-1121650",
      "loans": 22,
      "includes_brokered": true,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 3821,
      "name": "Provident Funding Associates, L.P.",
      "slug": "provident-funding-associates-l-p-3821",
      "canonical_url": "https://lendb.ai/lender/provident-funding-associates-l-p-3821",
      "loans": 21,
      "includes_brokered": true,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 205696,
      "name": "InterLinc Mortgage Services, LLC",
      "slug": "interlinc-mortgage-services-llc-205696",
      "canonical_url": "https://lendb.ai/lender/interlinc-mortgage-services-llc-205696",
      "loans": 17,
      "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."
}