{
  "canonical_url": "https://lendb.ai/in/minnesota/clay-county/conventional-loans",
  "summary": "These are lenders, not loan officers. Of the lenders LenDb lists, 40 funded conventional home loans in Clay County, MN in 2025, 274 loans in all, per HMDA, FFIEC/CFPB data. The most active were United Wholesale Mortgage (47), Rocket Mortgage (43) and U.S. Bank (30). Lenders LenDb does not list yet, and lenders below the HMDA reporting thresholds, are not counted. Loan officers LenDb lists at each lender near Clay County are linked below.",
  "county": {
    "fips": "27027",
    "name": "Clay County",
    "state": "MN"
  },
  "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": 40,
    "lenders_10": 8,
    "loans": 274,
    "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": 47,
      "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": 43,
      "includes_brokered": true,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 402761,
      "name": "U.S. Bank",
      "slug": "us-bank-402761",
      "canonical_url": "https://lendb.ai/lender/us-bank-402761",
      "loans": 30,
      "includes_brokered": false,
      "loan_officers": {
        "total": 1,
        "people": [
          {
            "nmls_id": 519763,
            "full_name": "Kathy Weiss",
            "canonical_url": "https://lendb.ai/lo/kathy-weiss-519763",
            "branch_city": "Fargo",
            "branch_state": "ND"
          }
        ]
      }
    },
    {
      "nmls_id": 3274,
      "name": "Guild Mortgage",
      "slug": "guild-mortgage-3274",
      "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
      "loans": 23,
      "includes_brokered": false,
      "loan_officers": {
        "total": 1,
        "people": [
          {
            "nmls_id": 2068129,
            "full_name": "Katie Stockert",
            "canonical_url": "https://lendb.ai/lo/katie-stockert-2068129",
            "branch_city": "West Fargo",
            "branch_state": "ND"
          }
        ]
      }
    },
    {
      "nmls_id": 2289,
      "name": "Fairway Independent Mortgage Corporation",
      "slug": "fairway-independent-mortgage-2289",
      "canonical_url": "https://lendb.ai/lender/fairway-independent-mortgage-2289",
      "loans": 17,
      "includes_brokered": false,
      "loan_officers": {
        "total": 6,
        "people": [
          {
            "nmls_id": 1367864,
            "full_name": "Aaron Stoneberg",
            "canonical_url": "https://lendb.ai/lo/aaron-stoneberg-1367864",
            "branch_city": "Fargo",
            "branch_state": "ND"
          },
          {
            "nmls_id": 2324189,
            "full_name": "Lane Tucker",
            "canonical_url": "https://lendb.ai/lo/lane-tucker-2324189",
            "branch_city": "Fargo",
            "branch_state": "ND"
          },
          {
            "nmls_id": 2567744,
            "full_name": "Justin Mertens",
            "canonical_url": "https://lendb.ai/lo/justin-mertens-2567744",
            "branch_city": "Fargo",
            "branch_state": "ND"
          }
        ]
      }
    },
    {
      "nmls_id": 399801,
      "name": "Wells Fargo Home Mortgage",
      "slug": "wells-fargo-399801",
      "canonical_url": "https://lendb.ai/lender/wells-fargo-399801",
      "loans": 15,
      "includes_brokered": false,
      "loan_officers": {
        "total": 2,
        "people": [
          {
            "nmls_id": 27510,
            "full_name": "Brandon Maki",
            "canonical_url": "https://lendb.ai/lo/brandon-maki-27510",
            "branch_city": "Fargo",
            "branch_state": "ND"
          },
          {
            "nmls_id": 404282,
            "full_name": "Gayle Jaeger",
            "canonical_url": "https://lendb.ai/lo/gayle-jaeger-404282",
            "branch_city": "Fargo",
            "branch_state": "ND"
          }
        ]
      }
    },
    {
      "nmls_id": 3013,
      "name": "Newrez",
      "slug": "newrez-3013",
      "canonical_url": "https://lendb.ai/lender/newrez-3013",
      "loans": 11,
      "includes_brokered": true,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 2611,
      "name": "Guaranteed Rate (Rate)",
      "slug": "guaranteed-rate-2611",
      "canonical_url": "https://lendb.ai/lender/guaranteed-rate-2611",
      "loans": 10,
      "includes_brokered": false,
      "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": 9,
      "includes_brokered": false,
      "loan_officers": {
        "total": 2,
        "people": [
          {
            "nmls_id": 2251169,
            "full_name": "Steve Rowe",
            "canonical_url": "https://lendb.ai/lo/steve-rowe-2251169",
            "branch_city": "Fargo",
            "branch_state": "ND"
          },
          {
            "nmls_id": 2832933,
            "full_name": "Jake Danielson",
            "canonical_url": "https://lendb.ai/lo/jake-danielson-2832933",
            "branch_city": "Fargo",
            "branch_state": "ND"
          }
        ]
      }
    },
    {
      "nmls_id": 174457,
      "name": "loanDepot",
      "slug": "loandepot-174457",
      "canonical_url": "https://lendb.ai/lender/loandepot-174457",
      "loans": 8,
      "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."
}