{
  "canonical_url": "https://lendb.ai/in/kentucky/shelby-county/fha-loans",
  "summary": "These are lenders, not loan officers. Of the lenders LenDb lists, 41 funded FHA home loans in Shelby County, KY in 2025, 128 loans in all, per HMDA, FFIEC/CFPB data. The most active were United Wholesale Mortgage (16), Rocket Mortgage (13) and DHI Mortgage (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 Shelby County are linked below.",
  "county": {
    "fips": "21211",
    "name": "Shelby 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": 41,
    "lenders_10": 4,
    "loans": 128,
    "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": 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": 14622,
      "name": "DHI Mortgage",
      "slug": "dhi-mortgage-14622",
      "canonical_url": "https://lendb.ai/lender/dhi-mortgage-14622",
      "loans": 12,
      "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": 11,
      "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": 8259,
      "name": "Stockton Mortgage Corporation",
      "slug": "stockton-mortgage-corporation-8259",
      "canonical_url": "https://lendb.ai/lender/stockton-mortgage-corporation-8259",
      "loans": 7,
      "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": 5,
      "includes_brokered": false,
      "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": 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": 1124061,
      "name": "Lower",
      "slug": "lower-1124061",
      "canonical_url": "https://lendb.ai/lender/lower-1124061",
      "loans": 4,
      "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": 3,
      "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"
          }
        ]
      }
    }
  ],
  "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."
}