{
  "canonical_url": "https://lendb.ai/in/utah/cache-county/fha-loans",
  "summary": "These are lenders, not loan officers. Of the lenders LenDb lists, 50 funded FHA home loans in Cache County, UT in 2025, 318 loans in all, per HMDA, FFIEC/CFPB data. The most active were Guild Mortgage (83), United Wholesale Mortgage (59) and Kind Lending, LLC (32). Lenders LenDb does not list yet, and lenders below the HMDA reporting thresholds, are not counted. Loan officers LenDb lists at each lender near Cache County are linked below.",
  "county": {
    "fips": "49005",
    "name": "Cache County",
    "state": "UT"
  },
  "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": 50,
    "lenders_10": 7,
    "loans": 318,
    "qualifies": true
  },
  "lenders": [
    {
      "nmls_id": 3274,
      "name": "Guild Mortgage",
      "slug": "guild-mortgage-3274",
      "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
      "loans": 83,
      "includes_brokered": false,
      "loan_officers": {
        "total": 6,
        "people": [
          {
            "nmls_id": 80226,
            "full_name": "Karen Nielson",
            "canonical_url": "https://lendb.ai/lo/karen-nielson-80226",
            "branch_city": "Logan",
            "branch_state": "UT"
          },
          {
            "nmls_id": 139284,
            "full_name": "Trudi Hatch",
            "canonical_url": "https://lendb.ai/lo/trudi-hatch-139284",
            "branch_city": "Tremonton",
            "branch_state": "UT"
          },
          {
            "nmls_id": 1096552,
            "full_name": "Tara Rutherford",
            "canonical_url": "https://lendb.ai/lo/tara-rutherford-1096552",
            "branch_city": "Brigham City",
            "branch_state": "UT"
          }
        ]
      }
    },
    {
      "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": 59,
      "includes_brokered": true,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 3925,
      "name": "Kind Lending, LLC",
      "slug": "kind-lending-3925",
      "canonical_url": "https://lendb.ai/lender/kind-lending-3925",
      "loans": 32,
      "includes_brokered": true,
      "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": 29,
      "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": 16,
      "includes_brokered": true,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 190465,
      "name": "Intercap Lending",
      "slug": "intercap-lending-190465",
      "canonical_url": "https://lendb.ai/lender/intercap-lending-190465",
      "loans": 12,
      "includes_brokered": false,
      "loan_officers": {
        "total": 7,
        "people": [
          {
            "nmls_id": 611754,
            "full_name": "Jeanette John",
            "canonical_url": "https://lendb.ai/lo/jeanette-john-611754",
            "branch_city": "Logan",
            "branch_state": "UT"
          },
          {
            "nmls_id": 2060069,
            "full_name": "Whitney Gifford",
            "canonical_url": "https://lendb.ai/lo/whitney-gifford-2060069",
            "branch_city": "Logan",
            "branch_state": "UT"
          },
          {
            "nmls_id": 299573,
            "full_name": "Julie Campbell",
            "canonical_url": "https://lendb.ai/lo/julie-campbell-299573",
            "branch_city": "Brigham City",
            "branch_state": "UT"
          }
        ]
      }
    },
    {
      "nmls_id": 2767,
      "name": "Freedom Mortgage",
      "slug": "freedom-mortgage-2767",
      "canonical_url": "https://lendb.ai/lender/freedom-mortgage-2767",
      "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": 7,
      "includes_brokered": true,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 1121650,
      "name": "The Loan Store, Inc.",
      "slug": "the-loan-store-inc-1121650",
      "canonical_url": "https://lendb.ai/lender/the-loan-store-inc-1121650",
      "loans": 6,
      "includes_brokered": true,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 2826,
      "name": "American Financial Resources, LLC",
      "slug": "american-financial-resources-llc-2826",
      "canonical_url": "https://lendb.ai/lender/american-financial-resources-llc-2826",
      "loans": 4,
      "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."
}