{
  "canonical_url": "https://lendb.ai/in/kentucky/oldham-county/va-loans",
  "summary": "These are lenders, not loan officers. Of the lenders LenDb lists, 32 funded VA home loans in Oldham County, KY in 2025, 119 loans in all, per HMDA, FFIEC/CFPB data. The most active were United Wholesale Mortgage (30), Rocket Mortgage (14) and Veterans United Home Loans (12). 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": "va",
  "year": 2025,
  "source": "HMDA, FFIEC/CFPB",
  "source_url": "https://ffiec.cfpb.gov/data-publication/snapshot-national-loan-level-dataset/2025",
  "totals": {
    "lenders": 32,
    "lenders_10": 4,
    "loans": 119,
    "qualifies": true
  },
  "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": 30,
      "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": 14,
      "includes_brokered": true,
      "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": 12,
      "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": 11,
      "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": 6,
      "includes_brokered": true,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 1820,
      "name": "CMG Home Loans",
      "slug": "cmg-home-loans-1820",
      "canonical_url": "https://lendb.ai/lender/cmg-home-loans-1820",
      "loans": 5,
      "includes_brokered": false,
      "loan_officers": {
        "total": 3,
        "people": [
          {
            "nmls_id": 1585785,
            "full_name": "Kristin Johnson",
            "canonical_url": "https://lendb.ai/lo/kristin-johnson-1585785",
            "branch_city": "Louisville",
            "branch_state": "KY"
          },
          {
            "nmls_id": 218072,
            "full_name": "Katie Roberts",
            "canonical_url": "https://lendb.ai/lo/katie-roberts-218072",
            "branch_city": "Louisville",
            "branch_state": "KY"
          },
          {
            "nmls_id": 455458,
            "full_name": "David Daley",
            "canonical_url": "https://lendb.ai/lo/david-daley-455458",
            "branch_city": "Louisville",
            "branch_state": "KY"
          }
        ]
      }
    },
    {
      "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": 399807,
      "name": "Navy Federal Credit Union",
      "slug": "navy-federal-399807",
      "canonical_url": "https://lendb.ai/lender/navy-federal-399807",
      "loans": 5,
      "includes_brokered": false,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 1025894,
      "name": "Mutual of Omaha Mortgage",
      "slug": "mutual-of-omaha-mortgage-1025894",
      "canonical_url": "https://lendb.ai/lender/mutual-of-omaha-mortgage-1025894",
      "loans": 3,
      "includes_brokered": false,
      "loan_officers": {
        "total": 6,
        "people": [
          {
            "nmls_id": 858358,
            "full_name": "Justin Pohn",
            "canonical_url": "https://lendb.ai/lo/justin-pohn-858358",
            "branch_city": "Louisville",
            "branch_state": "KY"
          },
          {
            "nmls_id": 17699,
            "full_name": "Will Glass",
            "canonical_url": "https://lendb.ai/lo/will-glass-17699",
            "branch_city": "Louisville",
            "branch_state": "KY"
          },
          {
            "nmls_id": 1121109,
            "full_name": "Ryan Virtue",
            "canonical_url": "https://lendb.ai/lo/ryan-virtue-1121109",
            "branch_city": "Louisville",
            "branch_state": "KY"
          }
        ]
      }
    },
    {
      "nmls_id": 1043,
      "name": "NewDay USA",
      "slug": "newday-usa-1043",
      "canonical_url": "https://lendb.ai/lender/newday-usa-1043",
      "loans": 2,
      "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."
}