{
  "canonical_url": "https://lendb.ai/in/minnesota/freeborn-county/va-loans",
  "summary": "These are lenders, not loan officers. Of the lenders LenDb lists, 13 funded VA home loans in Freeborn County, MN in 2025, 34 loans in all, per HMDA, FFIEC/CFPB data. The most active were Veterans United Home Loans (12), Union Home Mortgage (7) and United Wholesale Mortgage (4). 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": "va",
  "year": 2025,
  "source": "HMDA, FFIEC/CFPB",
  "source_url": "https://ffiec.cfpb.gov/data-publication/snapshot-national-loan-level-dataset/2025",
  "totals": {
    "lenders": 13,
    "lenders_10": 1,
    "loans": 34,
    "qualifies": false
  },
  "lenders": [
    {
      "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": 12,
      "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": 7,
      "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": 3038,
      "name": "United Wholesale Mortgage (broker finder)",
      "slug": "united-wholesale-mortgage-3038",
      "canonical_url": "https://lendb.ai/lender/united-wholesale-mortgage-3038",
      "loans": 4,
      "includes_brokered": true,
      "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": 2,
      "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": 1,
      "includes_brokered": false,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 1168,
      "name": "AmeriSave Mortgage",
      "slug": "amerisave-mortgage-1168",
      "canonical_url": "https://lendb.ai/lender/amerisave-mortgage-1168",
      "loans": 1,
      "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": 1,
      "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": 2611,
      "name": "Guaranteed Rate (Rate)",
      "slug": "guaranteed-rate-2611",
      "canonical_url": "https://lendb.ai/lender/guaranteed-rate-2611",
      "loans": 1,
      "includes_brokered": false,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 3013,
      "name": "Newrez",
      "slug": "newrez-3013",
      "canonical_url": "https://lendb.ai/lender/newrez-3013",
      "loans": 1,
      "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": 1,
      "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"
          }
        ]
      }
    }
  ],
  "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."
}