{
  "canonical_url": "https://lendb.ai/in/michigan/berrien-county/va-loans",
  "summary": "These are lenders, not loan officers. Of the lenders LenDb lists, 39 funded VA home loans in Berrien County, MI in 2025, 193 loans in all, per HMDA, FFIEC/CFPB data. The most active were United Wholesale Mortgage (33), Veterans United Home Loans (32) and Union Home Mortgage (18). 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": "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": 5,
    "loans": 193,
    "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": 33,
      "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": 32,
      "includes_brokered": false,
      "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": 18,
      "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": 15,
      "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": 12,
      "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": 2767,
      "name": "Freedom Mortgage",
      "slug": "freedom-mortgage-2767",
      "canonical_url": "https://lendb.ai/lender/freedom-mortgage-2767",
      "loans": 9,
      "includes_brokered": false,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 1043,
      "name": "NewDay USA",
      "slug": "newday-usa-1043",
      "canonical_url": "https://lendb.ai/lender/newday-usa-1043",
      "loans": 8,
      "includes_brokered": false,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 3317,
      "name": "Village Capital & Investment LLC",
      "slug": "village-capital-investment-llc-3317",
      "canonical_url": "https://lendb.ai/lender/village-capital-investment-llc-3317",
      "loans": 8,
      "includes_brokered": false,
      "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": 7,
      "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": 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."
}