{
  "canonical_url": "https://lendb.ai/in/new-york/saratoga-county/va-loans",
  "summary": "These are lenders, not loan officers. Of the lenders LenDb lists, 25 funded VA home loans in Saratoga County, NY in 2025, 141 loans in all, per HMDA, FFIEC/CFPB data. The most active were Navy Federal Credit Union (23), Veterans United Home Loans (22) and Rocket Mortgage (22). Lenders LenDb does not list yet, and lenders below the HMDA reporting thresholds, are not counted. Loan officers LenDb lists at each lender near Saratoga County are linked below.",
  "county": {
    "fips": "36091",
    "name": "Saratoga County",
    "state": "NY"
  },
  "loan_type": "va",
  "year": 2025,
  "source": "HMDA, FFIEC/CFPB",
  "source_url": "https://ffiec.cfpb.gov/data-publication/snapshot-national-loan-level-dataset/2025",
  "totals": {
    "lenders": 25,
    "lenders_10": 5,
    "loans": 141,
    "qualifies": true
  },
  "lenders": [
    {
      "nmls_id": 399807,
      "name": "Navy Federal Credit Union",
      "slug": "navy-federal-399807",
      "canonical_url": "https://lendb.ai/lender/navy-federal-399807",
      "loans": 23,
      "includes_brokered": false,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 1907,
      "name": "Veterans United Home Loans",
      "slug": "veterans-united-home-loans-1907",
      "canonical_url": "https://lendb.ai/lender/veterans-united-home-loans-1907",
      "loans": 22,
      "includes_brokered": false,
      "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": 22,
      "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": 13,
      "includes_brokered": true,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 35953,
      "name": "Pennymac",
      "slug": "pennymac-35953",
      "canonical_url": "https://lendb.ai/lender/pennymac-35953",
      "loans": 13,
      "includes_brokered": true,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 3232,
      "name": "Homestead Funding",
      "slug": "homestead-funding-3232",
      "canonical_url": "https://lendb.ai/lender/homestead-funding-3232",
      "loans": 9,
      "includes_brokered": false,
      "loan_officers": {
        "total": 35,
        "people": [
          {
            "nmls_id": 55348,
            "full_name": "Caroline Hommel",
            "canonical_url": "https://lendb.ai/lo/caroline-hommel-55348",
            "branch_city": "Saratoga Springs",
            "branch_state": "NY"
          },
          {
            "nmls_id": 59471,
            "full_name": "Laura Guillerault",
            "canonical_url": "https://lendb.ai/lo/laura-guillerault-59471",
            "branch_city": "Saratoga Springs",
            "branch_state": "NY"
          },
          {
            "nmls_id": 441887,
            "full_name": "Dayna L. Hayes",
            "canonical_url": "https://lendb.ai/lo/dayna-l-hayes-441887",
            "branch_city": "Glens Falls",
            "branch_state": "NY"
          }
        ]
      }
    },
    {
      "nmls_id": 3013,
      "name": "Newrez",
      "slug": "newrez-3013",
      "canonical_url": "https://lendb.ai/lender/newrez-3013",
      "loans": 6,
      "includes_brokered": true,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 17022,
      "name": "Planet Home Lending",
      "slug": "planet-home-lending-17022",
      "canonical_url": "https://lendb.ai/lender/planet-home-lending-17022",
      "loans": 6,
      "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": 3,
      "includes_brokered": false,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 2289,
      "name": "Fairway Independent Mortgage Corporation",
      "slug": "fairway-independent-mortgage-2289",
      "canonical_url": "https://lendb.ai/lender/fairway-independent-mortgage-2289",
      "loans": 2,
      "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."
}