{
  "canonical_url": "https://lendb.ai/in/minnesota/freeborn-county/conventional-loans",
  "summary": "These are lenders, not loan officers. Of the lenders LenDb lists, 43 funded conventional home loans in Freeborn County, MN in 2025, 200 loans in all, per HMDA, FFIEC/CFPB data. The most active were Union Home Mortgage (29), Fairway Independent Mortgage Corporation (27) and Rocket Mortgage (24). Lenders LenDb does not list yet, and lenders below the HMDA reporting thresholds, are not counted. Loan officers LenDb lists at each lender near Freeborn County are linked below.",
  "county": {
    "fips": "27047",
    "name": "Freeborn County",
    "state": "MN"
  },
  "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": 43,
    "lenders_10": 6,
    "loans": 200,
    "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": 29,
      "includes_brokered": true,
      "loan_officers": {
        "total": 2,
        "people": [
          {
            "nmls_id": 720725,
            "full_name": "Alissa Penkava",
            "canonical_url": "https://lendb.ai/lo/alissa-penkava-720725",
            "branch_city": "Albert Lea",
            "branch_state": "MN"
          },
          {
            "nmls_id": 1561269,
            "full_name": "Tami LaCanne",
            "canonical_url": "https://lendb.ai/lo/tami-lacanne-1561269",
            "branch_city": "Albert Lea",
            "branch_state": "MN"
          }
        ]
      }
    },
    {
      "nmls_id": 2289,
      "name": "Fairway Independent Mortgage Corporation",
      "slug": "fairway-independent-mortgage-2289",
      "canonical_url": "https://lendb.ai/lender/fairway-independent-mortgage-2289",
      "loans": 27,
      "includes_brokered": false,
      "loan_officers": {
        "total": 5,
        "people": [
          {
            "nmls_id": 27180,
            "full_name": "Kris Heichel",
            "canonical_url": "https://lendb.ai/lo/kristen-heichel-27180",
            "branch_city": "Austin",
            "branch_state": "MN"
          },
          {
            "nmls_id": 382480,
            "full_name": "Ty Sukalski",
            "canonical_url": "https://lendb.ai/lo/ty-sukalski-382480",
            "branch_city": "Austin",
            "branch_state": "MN"
          },
          {
            "nmls_id": 1946748,
            "full_name": "Andrea Barrera",
            "canonical_url": "https://lendb.ai/lo/andrea-barrera-1946748",
            "branch_city": "Austin",
            "branch_state": "MN"
          }
        ]
      }
    },
    {
      "nmls_id": 3030,
      "name": "Rocket Mortgage",
      "slug": "rocket-mortgage-3030",
      "canonical_url": "https://lendb.ai/lender/rocket-mortgage-3030",
      "loans": 24,
      "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": 19,
      "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": 13,
      "includes_brokered": false,
      "loan_officers": {
        "total": 2,
        "people": [
          {
            "nmls_id": 1752492,
            "full_name": "Julian Bednar",
            "canonical_url": "https://lendb.ai/lo/julian-bednar-1752492",
            "branch_city": "Owatonna",
            "branch_state": "MN"
          },
          {
            "nmls_id": 286049,
            "full_name": "Brenda Bednar",
            "canonical_url": "https://lendb.ai/lo/brenda-bednar-286049",
            "branch_city": "Owatonna",
            "branch_state": "MN"
          }
        ]
      }
    },
    {
      "nmls_id": 402761,
      "name": "U.S. Bank",
      "slug": "us-bank-402761",
      "canonical_url": "https://lendb.ai/lender/us-bank-402761",
      "loans": 12,
      "includes_brokered": false,
      "loan_officers": {
        "total": 1,
        "people": [
          {
            "nmls_id": 642739,
            "full_name": "Eric Miller",
            "canonical_url": "https://lendb.ai/lo/eric-miller-642739",
            "branch_city": "Owatonna",
            "branch_state": "MN"
          }
        ]
      }
    },
    {
      "nmls_id": 174457,
      "name": "loanDepot",
      "slug": "loandepot-174457",
      "canonical_url": "https://lendb.ai/lender/loandepot-174457",
      "loans": 7,
      "includes_brokered": false,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 399801,
      "name": "Wells Fargo Home Mortgage",
      "slug": "wells-fargo-399801",
      "canonical_url": "https://lendb.ai/lender/wells-fargo-399801",
      "loans": 7,
      "includes_brokered": false,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 1796,
      "name": "Land Home Financial Services, Inc.",
      "slug": "land-home-financial-services-inc-1796",
      "canonical_url": "https://lendb.ai/lender/land-home-financial-services-inc-1796",
      "loans": 5,
      "includes_brokered": false,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 2280,
      "name": "21st Mortgage Corporation",
      "slug": "21st-mortgage-corporation-2280",
      "canonical_url": "https://lendb.ai/lender/21st-mortgage-corporation-2280",
      "loans": 5,
      "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."
}