{
  "canonical_url": "https://lendb.ai/in/michigan/berrien-county/conventional-loans",
  "summary": "These are lenders, not loan officers. Of the lenders LenDb lists, 115 funded conventional home loans in Berrien County, MI in 2025, 1,098 loans in all, per HMDA, FFIEC/CFPB data. The most active were Rocket Mortgage (169), Union Home Mortgage (82) and United Wholesale Mortgage (61). Lenders LenDb does not list yet, and lenders below the HMDA reporting thresholds, are not counted. Loan officers LenDb lists at each lender near Berrien County are linked below.",
  "county": {
    "fips": "26021",
    "name": "Berrien County",
    "state": "MI"
  },
  "loan_type": "conventional",
  "year": 2025,
  "source": "HMDA, FFIEC/CFPB",
  "source_url": "https://ffiec.cfpb.gov/data-publication/snapshot-national-loan-level-dataset/2025",
  "totals": {
    "lenders": 115,
    "lenders_10": 23,
    "loans": 1098,
    "qualifies": true
  },
  "lenders": [
    {
      "nmls_id": 3030,
      "name": "Rocket Mortgage",
      "slug": "rocket-mortgage-3030",
      "canonical_url": "https://lendb.ai/lender/rocket-mortgage-3030",
      "loans": 169,
      "includes_brokered": true,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 2229,
      "name": "Union Home Mortgage",
      "slug": "union-home-mortgage-2229",
      "canonical_url": "https://lendb.ai/lender/union-home-mortgage-2229",
      "loans": 82,
      "includes_brokered": true,
      "loan_officers": {
        "total": 8,
        "people": [
          {
            "nmls_id": 525359,
            "full_name": "Dave Ellingsen",
            "canonical_url": "https://lendb.ai/lo/dave-ellingsen-525359",
            "branch_city": "Valparaiso",
            "branch_state": "IN"
          },
          {
            "nmls_id": 168000,
            "full_name": "Jason Kolberg",
            "canonical_url": "https://lendb.ai/lo/jason-kolberg-168000",
            "branch_city": "Benton Harbor",
            "branch_state": "MI"
          },
          {
            "nmls_id": 150593,
            "full_name": "Travis Waters",
            "canonical_url": "https://lendb.ai/lo/michael-waters-150593",
            "branch_city": "Valparaiso",
            "branch_state": "IN"
          }
        ]
      }
    },
    {
      "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": 61,
      "includes_brokered": true,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 403245,
      "name": "Fifth Third Bank",
      "slug": "fifth-third-bank-403245",
      "canonical_url": "https://lendb.ai/lender/fifth-third-bank-403245",
      "loans": 61,
      "includes_brokered": false,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 141868,
      "name": "Ruoff Mortgage",
      "slug": "ruoff-mortgage-141868",
      "canonical_url": "https://lendb.ai/lender/ruoff-mortgage-141868",
      "loans": 56,
      "includes_brokered": false,
      "loan_officers": {
        "total": 2,
        "people": [
          {
            "nmls_id": 1634528,
            "full_name": "Brad Ellett",
            "canonical_url": "https://lendb.ai/lo/brad-ellett-1634528",
            "branch_city": "La Porte",
            "branch_state": "IN"
          },
          {
            "nmls_id": 1064148,
            "full_name": "Ron Rogers",
            "canonical_url": "https://lendb.ai/lo/ronnie-rogers-1064148",
            "branch_city": "Niles",
            "branch_state": "MI"
          }
        ]
      }
    },
    {
      "nmls_id": 399798,
      "name": "JPMorgan Chase Bank (Chase Home Lending)",
      "slug": "chase-399798",
      "canonical_url": "https://lendb.ai/lender/chase-399798",
      "loans": 49,
      "includes_brokered": false,
      "loan_officers": {
        "total": 4,
        "people": [
          {
            "nmls_id": 912503,
            "full_name": "James Kist",
            "canonical_url": "https://lendb.ai/lo/james-kist-912503",
            "branch_city": "Michigan City",
            "branch_state": "IN"
          },
          {
            "nmls_id": 588203,
            "full_name": "Katherine Chapple",
            "canonical_url": "https://lendb.ai/lo/katherine-chapple-588203",
            "branch_city": "South Bend",
            "branch_state": "IN"
          },
          {
            "nmls_id": 580840,
            "full_name": "Leslie Bernacki",
            "canonical_url": "https://lendb.ai/lo/leslie-bernacki-580840",
            "branch_city": "Portage",
            "branch_state": "IN"
          }
        ]
      }
    },
    {
      "nmls_id": 2611,
      "name": "Guaranteed Rate (Rate)",
      "slug": "guaranteed-rate-2611",
      "canonical_url": "https://lendb.ai/lender/guaranteed-rate-2611",
      "loans": 48,
      "includes_brokered": false,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 402435,
      "name": "Huntington National Bank",
      "slug": "huntington-national-bank-402435",
      "canonical_url": "https://lendb.ai/lender/huntington-national-bank-402435",
      "loans": 44,
      "includes_brokered": false,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 3029,
      "name": "CrossCountry Mortgage",
      "slug": "crosscountry-mortgage-3029",
      "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
      "loans": 42,
      "includes_brokered": false,
      "loan_officers": {
        "total": 1,
        "people": [
          {
            "nmls_id": 686541,
            "full_name": "Joe McBreen",
            "canonical_url": "https://lendb.ai/lo/joseph-mcbreen-686541",
            "branch_city": "Michigan City",
            "branch_state": "IN"
          }
        ]
      }
    },
    {
      "nmls_id": 174457,
      "name": "loanDepot",
      "slug": "loandepot-174457",
      "canonical_url": "https://lendb.ai/lender/loandepot-174457",
      "loans": 37,
      "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."
}