{
  "canonical_url": "https://lendb.ai/in/kentucky/oldham-county/fha-loans",
  "summary": "These are lenders, not loan officers. Of the lenders LenDb lists, 40 funded FHA home loans in Oldham County, KY in 2025, 105 loans in all, per HMDA, FFIEC/CFPB data. The most active were United Wholesale Mortgage (16), Rocket Mortgage (13) and Kind Lending, LLC (6). 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": "fha",
  "year": 2025,
  "source": "HMDA, FFIEC/CFPB",
  "source_url": "https://ffiec.cfpb.gov/data-publication/snapshot-national-loan-level-dataset/2025",
  "totals": {
    "lenders": 40,
    "lenders_10": 2,
    "loans": 105,
    "qualifies": false
  },
  "lenders": [
    {
      "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": 16,
      "includes_brokered": true,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 3030,
      "name": "Rocket Mortgage",
      "slug": "rocket-mortgage-3030",
      "canonical_url": "https://lendb.ai/lender/rocket-mortgage-3030",
      "loans": 13,
      "includes_brokered": true,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 3925,
      "name": "Kind Lending, LLC",
      "slug": "kind-lending-3925",
      "canonical_url": "https://lendb.ai/lender/kind-lending-3925",
      "loans": 6,
      "includes_brokered": true,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 35953,
      "name": "Pennymac",
      "slug": "pennymac-35953",
      "canonical_url": "https://lendb.ai/lender/pennymac-35953",
      "loans": 6,
      "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": 5,
      "includes_brokered": false,
      "loan_officers": {
        "total": 4,
        "people": [
          {
            "nmls_id": 3364,
            "full_name": "Jeremy Wetzel",
            "canonical_url": "https://lendb.ai/lo/jeremy-wetzel-3364",
            "branch_city": "Louisville",
            "branch_state": "KY"
          },
          {
            "nmls_id": 7291,
            "full_name": "Robert Clifton",
            "canonical_url": "https://lendb.ai/lo/robert-clifton-7291",
            "branch_city": "Louisville",
            "branch_state": "KY"
          },
          {
            "nmls_id": 47632,
            "full_name": "James Clay III",
            "canonical_url": "https://lendb.ai/lo/james-clay-47632",
            "branch_city": "Louisville",
            "branch_state": "KY"
          }
        ]
      }
    },
    {
      "nmls_id": 1791,
      "name": "Pulte Mortgage",
      "slug": "pulte-mortgage-1791",
      "canonical_url": "https://lendb.ai/lender/pulte-mortgage-1791",
      "loans": 4,
      "includes_brokered": false,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 2289,
      "name": "Fairway Independent Mortgage Corporation",
      "slug": "fairway-independent-mortgage-2289",
      "canonical_url": "https://lendb.ai/lender/fairway-independent-mortgage-2289",
      "loans": 4,
      "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": 6606,
      "name": "New American Funding",
      "slug": "new-american-funding-6606",
      "canonical_url": "https://lendb.ai/lender/new-american-funding-6606",
      "loans": 4,
      "includes_brokered": false,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 2767,
      "name": "Freedom Mortgage",
      "slug": "freedom-mortgage-2767",
      "canonical_url": "https://lendb.ai/lender/freedom-mortgage-2767",
      "loans": 3,
      "includes_brokered": false,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 75164,
      "name": "Prosperity Home Mortgage",
      "slug": "prosperity-home-mortgage-75164",
      "canonical_url": "https://lendb.ai/lender/prosperity-home-mortgage-75164",
      "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."
}