{
  "canonical_url": "https://lendb.ai/in/minnesota/clay-county/fha-loans",
  "summary": "These are lenders, not loan officers. Of the lenders LenDb lists, 28 funded FHA home loans in Clay County, MN in 2025, 95 loans in all, per HMDA, FFIEC/CFPB data. The most active were United Wholesale Mortgage (19), Rocket Mortgage (13) and CMG Home Loans (9). 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": "fha",
  "year": 2025,
  "source": "HMDA, FFIEC/CFPB",
  "source_url": "https://ffiec.cfpb.gov/data-publication/snapshot-national-loan-level-dataset/2025",
  "totals": {
    "lenders": 28,
    "lenders_10": 2,
    "loans": 95,
    "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": 19,
      "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": 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": 3274,
      "name": "Guild Mortgage",
      "slug": "guild-mortgage-3274",
      "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
      "loans": 7,
      "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": 5,
      "includes_brokered": false,
      "loan_officers": {
        "total": 5,
        "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": 2567744,
            "full_name": "Justin Mertens",
            "canonical_url": "https://lendb.ai/lo/justin-mertens-2567744",
            "branch_city": "Fargo",
            "branch_state": "ND"
          },
          {
            "nmls_id": 2591620,
            "full_name": "Laura Lesoine",
            "canonical_url": "https://lendb.ai/lo/laura-lesoine-2591620",
            "branch_city": "Fargo",
            "branch_state": "ND"
          }
        ]
      }
    },
    {
      "nmls_id": 2611,
      "name": "Guaranteed Rate (Rate)",
      "slug": "guaranteed-rate-2611",
      "canonical_url": "https://lendb.ai/lender/guaranteed-rate-2611",
      "loans": 4,
      "includes_brokered": false,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 3112,
      "name": "First Colony Mortgage Corporation",
      "slug": "first-colony-mortgage-corporation-3112",
      "canonical_url": "https://lendb.ai/lender/first-colony-mortgage-corporation-3112",
      "loans": 4,
      "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": 4,
      "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": 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": 35953,
      "name": "Pennymac",
      "slug": "pennymac-35953",
      "canonical_url": "https://lendb.ai/lender/pennymac-35953",
      "loans": 3,
      "includes_brokered": true,
      "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."
}