{
  "canonical_url": "https://lendb.ai/in/rhode-island/kent-county/va-loans",
  "summary": "These are lenders, not loan officers. Of the lenders LenDb lists, 39 funded VA home loans in Kent County, RI in 2025, 240 loans in all, per HMDA, FFIEC/CFPB data. The most active were Veterans United Home Loans (51), United Wholesale Mortgage (24) and Movement Mortgage (23). Lenders LenDb does not list yet, and lenders below the HMDA reporting thresholds, are not counted. Loan officers LenDb lists at each lender near Kent County are linked below.",
  "county": {
    "fips": "44003",
    "name": "Kent County",
    "state": "RI"
  },
  "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": 39,
    "lenders_10": 6,
    "loans": 240,
    "qualifies": true
  },
  "lenders": [
    {
      "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": 51,
      "includes_brokered": false,
      "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": 24,
      "includes_brokered": true,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 39179,
      "name": "Movement Mortgage",
      "slug": "movement-mortgage-39179",
      "canonical_url": "https://lendb.ai/lender/movement-mortgage-39179",
      "loans": 23,
      "includes_brokered": false,
      "loan_officers": {
        "total": 18,
        "people": [
          {
            "nmls_id": 1450474,
            "full_name": "Waldy Ripoll",
            "canonical_url": "https://lendb.ai/lo/waldy-ripoll-1450474",
            "branch_city": "Cranston",
            "branch_state": "RI"
          },
          {
            "nmls_id": 2729935,
            "full_name": "Marlena Morel",
            "canonical_url": "https://lendb.ai/lo/marlena-morel-2729935",
            "branch_city": "Cranston",
            "branch_state": "RI"
          },
          {
            "nmls_id": 6595,
            "full_name": "Tess Leighton",
            "canonical_url": "https://lendb.ai/lo/tess-leighton-6595",
            "branch_city": "Providence",
            "branch_state": "RI"
          }
        ]
      }
    },
    {
      "nmls_id": 2767,
      "name": "Freedom Mortgage",
      "slug": "freedom-mortgage-2767",
      "canonical_url": "https://lendb.ai/lender/freedom-mortgage-2767",
      "loans": 16,
      "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": 14,
      "includes_brokered": true,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 399807,
      "name": "Navy Federal Credit Union",
      "slug": "navy-federal-399807",
      "canonical_url": "https://lendb.ai/lender/navy-federal-399807",
      "loans": 10,
      "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": 9,
      "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": 8,
      "includes_brokered": true,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 2764,
      "name": "Total Mortgage Services",
      "slug": "total-mortgage-services-2764",
      "canonical_url": "https://lendb.ai/lender/total-mortgage-services-2764",
      "loans": 6,
      "includes_brokered": false,
      "loan_officers": {
        "total": 13,
        "people": [
          {
            "nmls_id": 4059,
            "full_name": "Domenic Apostolico",
            "canonical_url": "https://lendb.ai/lo/domenic-apostolico-4059",
            "branch_city": "Cranston",
            "branch_state": "RI"
          },
          {
            "nmls_id": 23187,
            "full_name": "John Micheletti",
            "canonical_url": "https://lendb.ai/lo/john-micheletti-23187",
            "branch_city": "Cranston",
            "branch_state": "RI"
          },
          {
            "nmls_id": 26000,
            "full_name": "Joan Apostolico",
            "canonical_url": "https://lendb.ai/lo/joan-apostolico-26000",
            "branch_city": "Cranston",
            "branch_state": "RI"
          }
        ]
      }
    },
    {
      "nmls_id": 3029,
      "name": "CrossCountry Mortgage",
      "slug": "crosscountry-mortgage-3029",
      "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
      "loans": 6,
      "includes_brokered": false,
      "loan_officers": {
        "total": 3,
        "people": [
          {
            "nmls_id": 21781,
            "full_name": "Joseph Roumelis",
            "canonical_url": "https://lendb.ai/lo/joseph-roumelis-21781",
            "branch_city": "Greenville",
            "branch_state": "RI"
          },
          {
            "nmls_id": 1065888,
            "full_name": "Nicholas Caccia",
            "canonical_url": "https://lendb.ai/lo/nicholas-caccia-1065888",
            "branch_city": "Greenville",
            "branch_state": "RI"
          },
          {
            "nmls_id": 2275708,
            "full_name": "Nick Zammarelli",
            "canonical_url": "https://lendb.ai/lo/nick-zammarelli-2275708",
            "branch_city": "Greenville",
            "branch_state": "RI"
          }
        ]
      }
    }
  ],
  "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."
}