{
  "canonical_url": "https://lendb.ai/in/minnesota/stearns-county/fha-loans",
  "summary": "These are lenders, not loan officers. Of the lenders LenDb lists, 54 funded FHA home loans in Stearns County, MN in 2025, 273 loans in all, per HMDA, FFIEC/CFPB data. The most active were Homeowners Financial Group (27), United Wholesale Mortgage (23) and Rocket Mortgage (22). Lenders LenDb does not list yet, and lenders below the HMDA reporting thresholds, are not counted. Loan officers LenDb lists at each lender near Stearns County are linked below.",
  "county": {
    "fips": "27145",
    "name": "Stearns County",
    "state": "MN"
  },
  "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": 54,
    "lenders_10": 10,
    "loans": 273,
    "qualifies": true
  },
  "lenders": [
    {
      "nmls_id": 93718,
      "name": "Homeowners Financial Group",
      "slug": "homeowners-financial-group-93718",
      "canonical_url": "https://lendb.ai/lender/homeowners-financial-group-93718",
      "loans": 27,
      "includes_brokered": false,
      "loan_officers": {
        "total": 9,
        "people": [
          {
            "nmls_id": 315457,
            "full_name": "Darrin Shemon",
            "canonical_url": "https://lendb.ai/lo/darrin-shemon-315457",
            "branch_city": "Waite Park",
            "branch_state": "MN"
          },
          {
            "nmls_id": 400810,
            "full_name": "Jacob Mueller",
            "canonical_url": "https://lendb.ai/lo/jacob-mueller-400810",
            "branch_city": "Waite Park",
            "branch_state": "MN"
          },
          {
            "nmls_id": 533157,
            "full_name": "Melanie Benjamin",
            "canonical_url": "https://lendb.ai/lo/melanie-benjamin-533157",
            "branch_city": "Waite Park",
            "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": 23,
      "includes_brokered": true,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 3030,
      "name": "Rocket Mortgage",
      "slug": "rocket-mortgage-3030",
      "canonical_url": "https://lendb.ai/lender/rocket-mortgage-3030",
      "loans": 22,
      "includes_brokered": true,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 2113,
      "name": "Plaza Home Mortgage, Inc.",
      "slug": "plaza-home-mortgage-inc-2113",
      "canonical_url": "https://lendb.ai/lender/plaza-home-mortgage-inc-2113",
      "loans": 20,
      "includes_brokered": true,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 2129,
      "name": "Supreme Lending",
      "slug": "supreme-lending-2129",
      "canonical_url": "https://lendb.ai/lender/supreme-lending-2129",
      "loans": 16,
      "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": 14,
      "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": 13,
      "includes_brokered": false,
      "loan_officers": {
        "total": 4,
        "people": [
          {
            "nmls_id": 339106,
            "full_name": "Debbie French",
            "canonical_url": "https://lendb.ai/lo/deborah-french-339106",
            "branch_city": "Sartell",
            "branch_state": "MN"
          },
          {
            "nmls_id": 342820,
            "full_name": "Joe Groebner",
            "canonical_url": "https://lendb.ai/lo/joseph-groebner-342820",
            "branch_city": "Sartell",
            "branch_state": "MN"
          },
          {
            "nmls_id": 964534,
            "full_name": "Dan Groebner",
            "canonical_url": "https://lendb.ai/lo/daniel-groebner-964534",
            "branch_city": "Sartell",
            "branch_state": "MN"
          }
        ]
      }
    },
    {
      "nmls_id": 2767,
      "name": "Freedom Mortgage",
      "slug": "freedom-mortgage-2767",
      "canonical_url": "https://lendb.ai/lender/freedom-mortgage-2767",
      "loans": 13,
      "includes_brokered": false,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 6606,
      "name": "New American Funding",
      "slug": "new-american-funding-6606",
      "canonical_url": "https://lendb.ai/lender/new-american-funding-6606",
      "loans": 10,
      "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": 10,
      "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."
}