{
  "canonical_url": "https://lendb.ai/in/missouri/ray-county/usda-loans",
  "summary": "These are lenders, not loan officers. Of the lenders LenDb lists, 9 funded USDA home loans in Ray County, MO in 2025, 16 loans in all, per HMDA, FFIEC/CFPB data. The most active were Union Home Mortgage (3), Guild Mortgage (3) and LeaderOne Financial (3). Lenders LenDb does not list yet, and lenders below the HMDA reporting thresholds, are not counted. Loan officers LenDb lists at each lender near Ray County are linked below.",
  "county": {
    "fips": "29177",
    "name": "Ray County",
    "state": "MO"
  },
  "loan_type": "usda",
  "year": 2025,
  "source": "HMDA, FFIEC/CFPB",
  "source_url": "https://ffiec.cfpb.gov/data-publication/snapshot-national-loan-level-dataset/2025",
  "totals": {
    "lenders": 9,
    "lenders_10": 0,
    "loans": 16,
    "qualifies": false
  },
  "lenders": [
    {
      "nmls_id": 2229,
      "name": "Union Home Mortgage",
      "slug": "union-home-mortgage-2229",
      "canonical_url": "https://lendb.ai/lender/union-home-mortgage-2229",
      "loans": 3,
      "includes_brokered": true,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 3274,
      "name": "Guild Mortgage",
      "slug": "guild-mortgage-3274",
      "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
      "loans": 3,
      "includes_brokered": false,
      "loan_officers": {
        "total": 4,
        "people": [
          {
            "nmls_id": 1835107,
            "full_name": "Mike Verhoff",
            "canonical_url": "https://lendb.ai/lo/mike-verhoff-1835107",
            "branch_city": "Liberty",
            "branch_state": "MO"
          },
          {
            "nmls_id": 2086937,
            "full_name": "Ammon Dorsey",
            "canonical_url": "https://lendb.ai/lo/ammon-dorsey-2086937",
            "branch_city": "Liberty",
            "branch_state": "MO"
          },
          {
            "nmls_id": 173034,
            "full_name": "Dirk Moss",
            "canonical_url": "https://lendb.ai/lo/robert-moss-173034",
            "branch_city": "Liberty",
            "branch_state": "MO"
          }
        ]
      }
    },
    {
      "nmls_id": 12007,
      "name": "LeaderOne Financial",
      "slug": "leaderone-financial-12007",
      "canonical_url": "https://lendb.ai/lender/leaderone-financial-12007",
      "loans": 3,
      "includes_brokered": false,
      "loan_officers": {
        "total": 3,
        "people": [
          {
            "nmls_id": 246949,
            "full_name": "Roy Pointer",
            "canonical_url": "https://lendb.ai/lo/roy-pointer-246949",
            "branch_city": "Kearney",
            "branch_state": "MO"
          },
          {
            "nmls_id": 267163,
            "full_name": "Carey Hiatt",
            "canonical_url": "https://lendb.ai/lo/carey-hiatt-267163",
            "branch_city": "Kearney",
            "branch_state": "MO"
          },
          {
            "nmls_id": 1245088,
            "full_name": "Nick Roberts",
            "canonical_url": "https://lendb.ai/lo/nick-roberts-1245088",
            "branch_city": "Kearney",
            "branch_state": "MO"
          }
        ]
      }
    },
    {
      "nmls_id": 224149,
      "name": "Flat Branch Mortgage, Inc.",
      "slug": "flat-branch-mortgage-inc-224149",
      "canonical_url": "https://lendb.ai/lender/flat-branch-mortgage-inc-224149",
      "loans": 2,
      "includes_brokered": false,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 3013,
      "name": "Newrez",
      "slug": "newrez-3013",
      "canonical_url": "https://lendb.ai/lender/newrez-3013",
      "loans": 1,
      "includes_brokered": true,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "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": 1,
      "includes_brokered": true,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 21116,
      "name": "Equity Prime Mortgage LLC",
      "slug": "equity-prime-mortgage-llc-21116",
      "canonical_url": "https://lendb.ai/lender/equity-prime-mortgage-llc-21116",
      "loans": 1,
      "includes_brokered": false,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 150009,
      "name": "Click n' Close, Inc.",
      "slug": "click-n-close-inc-150009",
      "canonical_url": "https://lendb.ai/lender/click-n-close-inc-150009",
      "loans": 1,
      "includes_brokered": false,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 227262,
      "name": "DAS Acquisition Company, LLC",
      "slug": "das-acquisition-company-llc-227262",
      "canonical_url": "https://lendb.ai/lender/das-acquisition-company-llc-227262",
      "loans": 1,
      "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."
}