{
  "canonical_url": "https://lendb.ai/in/michigan/berrien-county/fha-loans",
  "summary": "These are lenders, not loan officers. Of the lenders LenDb lists, 58 funded FHA home loans in Berrien County, MI in 2025, 290 loans in all, per HMDA, FFIEC/CFPB data. The most active were Union Home Mortgage (56), Rocket Mortgage (49) and United Wholesale Mortgage (27). 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": "fha",
  "year": 2025,
  "source": "HMDA, FFIEC/CFPB",
  "source_url": "https://ffiec.cfpb.gov/data-publication/snapshot-national-loan-level-dataset/2025",
  "totals": {
    "lenders": 58,
    "lenders_10": 5,
    "loans": 290,
    "qualifies": true
  },
  "lenders": [
    {
      "nmls_id": 2229,
      "name": "Union Home Mortgage",
      "slug": "union-home-mortgage-2229",
      "canonical_url": "https://lendb.ai/lender/union-home-mortgage-2229",
      "loans": 56,
      "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": 3030,
      "name": "Rocket Mortgage",
      "slug": "rocket-mortgage-3030",
      "canonical_url": "https://lendb.ai/lender/rocket-mortgage-3030",
      "loans": 49,
      "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": 27,
      "includes_brokered": true,
      "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": 17,
      "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": 141868,
      "name": "Ruoff Mortgage",
      "slug": "ruoff-mortgage-141868",
      "canonical_url": "https://lendb.ai/lender/ruoff-mortgage-141868",
      "loans": 14,
      "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": 2600,
      "name": "Carrington Mortgage Services",
      "slug": "carrington-mortgage-services-2600",
      "canonical_url": "https://lendb.ai/lender/carrington-mortgage-services-2600",
      "loans": 9,
      "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": 8,
      "includes_brokered": false,
      "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": 8,
      "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": 6,
      "includes_brokered": false,
      "loan_officers": {
        "total": 11,
        "people": [
          {
            "nmls_id": 2826908,
            "full_name": "Timothy Schultz",
            "canonical_url": "https://lendb.ai/lo/timothy-schultz-2826908",
            "branch_city": "Valparaiso",
            "branch_state": "IN"
          },
          {
            "nmls_id": 2012934,
            "full_name": "Dan Ormos",
            "canonical_url": "https://lendb.ai/lo/dan-ormos-2012934",
            "branch_city": "Valparaiso",
            "branch_state": "IN"
          },
          {
            "nmls_id": 2110271,
            "full_name": "Garrett Litke",
            "canonical_url": "https://lendb.ai/lo/garrett-litke-2110271",
            "branch_city": "Valparaiso",
            "branch_state": "IN"
          }
        ]
      }
    },
    {
      "nmls_id": 35953,
      "name": "Pennymac",
      "slug": "pennymac-35953",
      "canonical_url": "https://lendb.ai/lender/pennymac-35953",
      "loans": 6,
      "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."
}