{
  "canonical_url": "https://lendb.ai/in/utah/davis-county/va-loans",
  "summary": "These are lenders, not loan officers. Of the lenders LenDb lists, 56 funded VA home loans in Davis County, UT in 2025, 692 loans in all, per HMDA, FFIEC/CFPB data. The most active were United Wholesale Mortgage (160), Veterans United Home Loans (65) and Freedom Mortgage (55). Lenders LenDb does not list yet, and lenders below the HMDA reporting thresholds, are not counted. Loan officers LenDb lists at each lender near Davis County are linked below.",
  "county": {
    "fips": "49011",
    "name": "Davis County",
    "state": "UT"
  },
  "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": 56,
    "lenders_10": 17,
    "loans": 692,
    "qualifies": true
  },
  "lenders": [
    {
      "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": 160,
      "includes_brokered": true,
      "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": 65,
      "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": 55,
      "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": 42,
      "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": 39,
      "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": 31,
      "includes_brokered": false,
      "loan_officers": {
        "total": 34,
        "people": [
          {
            "nmls_id": 442493,
            "full_name": "Danene Strand",
            "canonical_url": "https://lendb.ai/lo/danene-strand-442493",
            "branch_city": "South Ogden",
            "branch_state": "UT"
          },
          {
            "nmls_id": 268662,
            "full_name": "Elisha Hurlburt",
            "canonical_url": "https://lendb.ai/lo/elisha-hurlburt-268662",
            "branch_city": "South Ogden",
            "branch_state": "UT"
          },
          {
            "nmls_id": 296065,
            "full_name": "Tiff Leishman",
            "canonical_url": "https://lendb.ai/lo/tiff-leishman-296065",
            "branch_city": "South Ogden",
            "branch_state": "UT"
          }
        ]
      }
    },
    {
      "nmls_id": 3274,
      "name": "Guild Mortgage",
      "slug": "guild-mortgage-3274",
      "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
      "loans": 27,
      "includes_brokered": false,
      "loan_officers": {
        "total": 26,
        "people": [
          {
            "nmls_id": 11431,
            "full_name": "Brett Mills",
            "canonical_url": "https://lendb.ai/lo/brett-mills-11431",
            "branch_city": "Clearfield",
            "branch_state": "UT"
          },
          {
            "nmls_id": 207483,
            "full_name": "Julie Steele",
            "canonical_url": "https://lendb.ai/lo/julie-steele-207483",
            "branch_city": "Clearfield",
            "branch_state": "UT"
          },
          {
            "nmls_id": 2040076,
            "full_name": "Christian Bingham",
            "canonical_url": "https://lendb.ai/lo/christian-bingham-2040076",
            "branch_city": "Clearfield",
            "branch_state": "UT"
          }
        ]
      }
    },
    {
      "nmls_id": 35953,
      "name": "Pennymac",
      "slug": "pennymac-35953",
      "canonical_url": "https://lendb.ai/lender/pennymac-35953",
      "loans": 27,
      "includes_brokered": true,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 1850,
      "name": "American Pacific Mortgage",
      "slug": "american-pacific-mortgage-1850",
      "canonical_url": "https://lendb.ai/lender/american-pacific-mortgage-1850",
      "loans": 21,
      "includes_brokered": false,
      "loan_officers": {
        "total": 15,
        "people": [
          {
            "nmls_id": 225944,
            "full_name": "Kirk Miller",
            "canonical_url": "https://lendb.ai/lo/kirk-miller-225944",
            "branch_city": "Layton",
            "branch_state": "UT"
          },
          {
            "nmls_id": 247020,
            "full_name": "Jen Jones",
            "canonical_url": "https://lendb.ai/lo/jennifer-jones-247020",
            "branch_city": "Layton",
            "branch_state": "UT"
          },
          {
            "nmls_id": 268661,
            "full_name": "Steve Christenson",
            "canonical_url": "https://lendb.ai/lo/steve-christenson-268661",
            "branch_city": "Layton",
            "branch_state": "UT"
          }
        ]
      }
    },
    {
      "nmls_id": 2419164,
      "name": "Direct Rate Home Loans, Inc.",
      "slug": "direct-rate-home-loans-inc-2419164",
      "canonical_url": "https://lendb.ai/lender/direct-rate-home-loans-inc-2419164",
      "loans": 19,
      "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."
}