{
  "canonical_url": "https://lendb.ai/in/missouri/st-charles-county/fha-loans",
  "summary": "These are lenders, not loan officers. Of the lenders LenDb lists, 73 funded FHA home loans in St. Charles County, MO in 2025, 1,023 loans in all, per HMDA, FFIEC/CFPB data. The most active were Rocket Mortgage (93), United Wholesale Mortgage (81) and Freedom Mortgage (80). Lenders LenDb does not list yet, and lenders below the HMDA reporting thresholds, are not counted. Loan officers LenDb lists at each lender near St. Charles County are linked below.",
  "county": {
    "fips": "29183",
    "name": "St. Charles County",
    "state": "MO"
  },
  "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": 73,
    "lenders_10": 22,
    "loans": 1023,
    "qualifies": true
  },
  "lenders": [
    {
      "nmls_id": 3030,
      "name": "Rocket Mortgage",
      "slug": "rocket-mortgage-3030",
      "canonical_url": "https://lendb.ai/lender/rocket-mortgage-3030",
      "loans": 93,
      "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": 81,
      "includes_brokered": true,
      "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": 80,
      "includes_brokered": false,
      "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": 71,
      "includes_brokered": false,
      "loan_officers": {
        "total": 85,
        "people": [
          {
            "nmls_id": 236517,
            "full_name": "Thomas Cobb",
            "canonical_url": "https://lendb.ai/lo/thomas-cobb-236517",
            "branch_city": "Weldon Spring",
            "branch_state": "MO"
          },
          {
            "nmls_id": 242647,
            "full_name": "Adrian Kleeschulte",
            "canonical_url": "https://lendb.ai/lo/adrian-kleeschulte-242647",
            "branch_city": "Weldon Spring",
            "branch_state": "MO"
          },
          {
            "nmls_id": 253071,
            "full_name": "Melinda Movick",
            "canonical_url": "https://lendb.ai/lo/melinda-movick-253071",
            "branch_city": "Weldon Spring",
            "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": 64,
      "includes_brokered": false,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 6606,
      "name": "New American Funding",
      "slug": "new-american-funding-6606",
      "canonical_url": "https://lendb.ai/lender/new-american-funding-6606",
      "loans": 58,
      "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": 54,
      "includes_brokered": true,
      "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": 48,
      "includes_brokered": false,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 1598647,
      "name": "Guaranteed Rate Affinity, LLC",
      "slug": "guaranteed-rate-affinity-llc-1598647",
      "canonical_url": "https://lendb.ai/lender/guaranteed-rate-affinity-llc-1598647",
      "loans": 32,
      "includes_brokered": false,
      "loan_officers": {
        "total": 14,
        "people": [
          {
            "nmls_id": 307941,
            "full_name": "Andy House",
            "canonical_url": "https://lendb.ai/lo/andy-house-307941",
            "branch_city": "Cottleville",
            "branch_state": "MO"
          },
          {
            "nmls_id": 640153,
            "full_name": "Sam Bizzle",
            "canonical_url": "https://lendb.ai/lo/sam-bizzle-640153",
            "branch_city": "Cottleville",
            "branch_state": "MO"
          },
          {
            "nmls_id": 739314,
            "full_name": "Tom Lubiewski",
            "canonical_url": "https://lendb.ai/lo/thomas-lubiewski-739314",
            "branch_city": "Cottleville",
            "branch_state": "MO"
          }
        ]
      }
    },
    {
      "nmls_id": 42056,
      "name": "Geneva Financial",
      "slug": "geneva-financial-42056",
      "canonical_url": "https://lendb.ai/lender/geneva-financial-42056",
      "loans": 29,
      "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."
}