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Loan programs · Minnesota

FHA loan officers in Minnesota

As of 2026-10-09, LenDb lists 142 loan officers licensed in or based in Minnesota whose lender pages show FHA loan work. The top-ranked are Andrew Schmidt (Churchill Mortgage, Scottsdale), Mark Hesser (CrossCountry Mortgage, Bloomington) and Ellie Breitbach (Guild Mortgage, Prior Lake). Ranking is lender-neutral: specialty evidence first, then a license in MN, branch location, experience and profile completeness. Nobody pays for placement.

Last verified . Sources: lender loan officer pages and state license records. Licenses: check NMLS Consumer Access.

Ranked, with reasons · top 25

  1. 1

    Andrew SchmidtNMLS 201143

    Churchill Mortgage · Scottsdale, AZ · licensed in 7 states

    • FHA loan
    • USDA loan
    • VA loan
    • Lists FHA loan on lender page (lender page, verified 2026-10-09)
    • Licensed in MN (listed on lender page, verified 2026-10-09)
    • 25 years experience (stated on lender page, 2026-10-09)
    • No disciplinary actions on file at LenDb
  2. 2

    Mark HesserNMLS 452476

    CrossCountry Mortgage · Bloomington, MN · licensed in 2 states

    • FHA loan
    • VA loan
    • Lists FHA loan on lender page (lender page, verified 2026-10-09)
    • Licensed in MN (listed on lender page, verified 2026-10-09)
    • Branch in Minnesota
    • 6 years licensed
  3. 3

    Ellie BreitbachNMLS 1849568

    Guild Mortgage · Prior Lake, MN · licensed in 4 states

    • FHA loan
    • Down payment assistance
    • USDA loan
    • VA loan
    • Lists FHA loan on lender page (lender page, verified 2026-10-09)
    • Licensed in MN (listed on lender page, verified 2026-10-09)
    • Branch in Minnesota
    • 6 years licensed
  4. 4

    Kevin HolmesNMLS 193246

    NFM Lending · Linthicum, MD · licensed in 23 states

    • FHA loan
    • First-time buyer
    • Jumbo loan
    • USDA loan
    • Lists FHA loan on lender page (lender page, verified 2026-10-09)
    • Licensed in MN (listed on lender page, verified 2026-10-09)
    • 14 years licensed
    • No disciplinary actions on file at LenDb
  5. 5

    Kristina HayesNMLS 1057175

    Churchill Mortgage · Irvine, CA · licensed in 24 states

    • FHA loan
    • Non-QM loan
    • VA loan
    • Lists FHA loan on lender page (lender page, verified 2026-10-09)
    • Licensed in MN (listed on lender page, verified 2026-10-09)
    • 12 years licensed
    • No disciplinary actions on file at LenDb
  6. 6

    Steve J WalkowiakNMLS 400842

    JPMorgan Chase Bank (Chase Home Lending) · Apple Valley, MN

    • FHA loan
    • VA loan
    • Lists FHA loan on lender page (lender page, verified 2026-10-09)
    • Licensed in MN (listed on lender page, verified 2026-10-09)
    • Branch in Minnesota
    • 5 years licensed
  7. 7

    Scott ReeseNMLS 86512

    CrossCountry Mortgage · Cleveland, OH · licensed in 17 states

    • FHA loan
    • VA loan
    • First-time buyer
    • HELOC
    • Lists FHA loan on lender page (lender page, verified 2026-10-09)
    • Licensed in MN (listed on lender page, verified 2026-10-09)
    • 9 years licensed
    • No disciplinary actions on file at LenDb
  8. 8

    Agostino (Augie) IaconoNMLS 283725

    Barrett Financial Group · Brookfield, WI · licensed in 11 states

    • FHA loan
    • Bank statement loan
    • Down payment assistance
    • Jumbo loan
    • Lists FHA loan on lender page (lender page, verified 2026-10-09)
    • Licensed in MN (listed on lender page, verified 2026-10-09)
    • 9 years licensed
    • No disciplinary actions on file at LenDb
  9. 9

    Sonia HashimiNMLS 965240

    Loan Factory · licensed in 17 states

    • FHA loan
    • First-time buyer
    • VA loan
    • Real estate investor
    • Lists FHA loan on lender page (lender page, verified 2026-10-09)
    • Licensed in MN (listed on lender page, verified 2026-10-09)
    • 12 years licensed
    • No disciplinary actions on file at LenDb
  10. 10

    Jason FoxNMLS 179208

    NFM Lending · Frederick, MD · licensed in 18 states

    • FHA loan
    • DSCR loan
    • First-time buyer
    • Real estate investor
    • Lists FHA loan on lender page (lender page, verified 2026-10-09)
    • Licensed in MN (listed on lender page, verified 2026-10-09)
    • 8 years licensed
    • No disciplinary actions on file at LenDb
  11. 11

    John SchwabNMLS 223945

    Guild Mortgage · Aurora, IL · licensed in 10 states

    • FHA loan
    • Down payment assistance
    • First-time buyer
    • Jumbo loan
    • Lists FHA loan on lender page (lender page, verified 2026-10-09)
    • Licensed in MN (listed on lender page, verified 2026-10-09)
    • 7 years licensed
    • No disciplinary actions on file at LenDb
  12. 12

    Chuck ButterfieldNMLS 176620

    Churchill Mortgage · licensed in 20 states

    • FHA loan
    • First-time buyer
    • Real estate investor
    • USDA loan
    • Lists FHA loan on lender page (lender page, verified 2026-10-09)
    • Licensed in MN (listed on lender page, verified 2026-10-09)
    • 22 years experience (stated on lender page, 2026-10-09)
    • No disciplinary actions on file at LenDb
  13. 13

    Sandee LutzNMLS 533656

    CrossCountry Mortgage · Romeo, MI · licensed in 29 states

    • FHA loan
    • Renovation loan (203k / HomeStyle)
    • Lists FHA loan on lender page (lender page, verified 2026-10-09)
    • Licensed in MN (listed on lender page, verified 2026-10-09)
    • 6 years licensed
    • No disciplinary actions on file at LenDb
  14. 14

    Diana FlynnNMLS 1934853

    NFM Lending · Columbus, OH · licensed in 23 states

    • FHA loan
    • VA loan
    • Down payment assistance
    • Jumbo loan
    • Lists FHA loan on lender page (lender page, verified 2026-10-09)
    • Licensed in MN (listed on lender page, verified 2026-10-09)
    • 6 years licensed
    • No disciplinary actions on file at LenDb
  15. 15

    Cary MeyersNMLS 584519

    Guild Mortgage · Oswego, IL · licensed in 6 states

    • FHA loan
    • Down payment assistance
    • DSCR loan
    • Real estate investor
    • Lists FHA loan on lender page (lender page, verified 2026-10-09)
    • Licensed in MN (listed on lender page, verified 2026-10-09)
    • 5 years licensed
    • No disciplinary actions on file at LenDb
  16. 16

    John OrtegaNMLS 461624

    Churchill Mortgage · Irvine, CA · licensed in 22 states

    • FHA loan
    • Jumbo loan
    • VA loan
    • Lists FHA loan on lender page (lender page, verified 2026-10-09)
    • Licensed in MN (listed on lender page, verified 2026-10-09)
    • 4 years licensed
    • No disciplinary actions on file at LenDb
  17. 17

    Domonique GrayNMLS 900558

    Churchill Mortgage · Brentwood, TN · licensed in 31 states

    • FHA loan
    • First-time buyer
    • Real estate investor
    • VA loan
    • Lists FHA loan on lender page (lender page, verified 2026-10-09)
    • Licensed in MN (listed on lender page, verified 2026-10-09)
    • 3 years licensed
    • No disciplinary actions on file at LenDb
  18. 18

    John AstrologoNMLS 441861

    CrossCountry Mortgage · White Plains, NY · licensed in 10 states

    • FHA loan
    • Co-op
    • First-time buyer
    • Jumbo loan
    • Lists FHA loan on lender page (lender page, verified 2026-10-09)
    • Licensed in MN (listed on lender page, verified 2026-10-09)
    • 4 years licensed
    • No disciplinary actions on file at LenDb
  19. 19

    Will PendergraftNMLS 887706

    Churchill Mortgage · Brentwood, TN · licensed in 20 states

    • FHA loan
    • VA loan
    • First-time buyer
    • Real estate investor
    • Lists FHA loan on lender page (lender page, verified 2026-10-09)
    • Licensed in MN (listed on lender page, verified 2026-10-09)
    • 2 years licensed
    • No disciplinary actions on file at LenDb
  20. 20

    Breanne StaffordNMLS 1037040

    JPMorgan Chase Bank (Chase Home Lending) · Edina, MN

    • FHA loan
    • Co-op
    • Condo
    • First-time buyer
    • Lists FHA loan on lender page (lender page, verified 2026-10-09)
    • Branch in Minnesota; no license list on file yet, verify at NMLS Consumer Access
    • 15 years experience (stated on lender page, 2026-10-09)
    • No disciplinary actions on file at LenDb
  21. 21

    Kristina MelnikNMLS 2316172

    Churchill Mortgage · Roseville, CA · licensed in 6 states

    • FHA loan
    • First-time buyer
    • Real estate investor
    • VA loan
    • Lists FHA loan on lender page (lender page, verified 2026-10-09)
    • Licensed in MN (listed on lender page, verified 2026-10-09)
    • 1 years licensed
    • No disciplinary actions on file at LenDb
  22. 22

    Kelly NelsonNMLS 2852313

    CrossCountry Mortgage · Eden Prairie, MN

    • FHA loan
    • Non-QM loan
    • VA loan
    • First-time buyer
    • Lists FHA loan on lender page (lender page, verified 2026-10-09)
    • Branch in Minnesota; no license list on file yet, verify at NMLS Consumer Access
    • 15 years experience (stated on lender page, 2026-10-09)
    • No disciplinary actions on file at LenDb
  23. 23

    Debbie SchmidtNMLS 201144

    Churchill Mortgage · Scottsdale, AZ · licensed in 7 states

    • FHA loan
    • USDA loan
    • VA loan
    • Lists FHA loan on lender page (lender page, verified 2026-10-09)
    • Licensed in MN (listed on lender page, verified 2026-10-09)
    • 24 years experience (stated on lender page, 2026-10-09)
    • No disciplinary actions on file at LenDb
  24. 24

    Bill MontgomeryNMLS 525367

    Guild Mortgage · Anderson, IN · licensed in 3 states

    • FHA loan
    • VA loan
    • Lists FHA loan on lender page (lender page, verified 2026-10-09)
    • Licensed in MN (listed on lender page, verified 2026-10-09)
    • No disciplinary actions on file at LenDb
  25. 25

    Nathan JuliusNMLS 2613390

    Churchill Mortgage · Delafield, WI · licensed in 3 states

    • FHA loan
    • First-time buyer
    • Renovation loan (203k / HomeStyle)
    • USDA loan
    • Lists FHA loan on lender page (lender page, verified 2026-10-09)
    • Licensed in MN (listed on lender page, verified 2026-10-09)
    • No disciplinary actions on file at LenDb

Before you choose

Lender overlays on credit score and debt-to-income differ, and property condition rules can complicate older homes.

  • What minimum credit score do you accept for FHA, with or without overlays?
  • How do you handle FHA appraisal repair requirements?
  • What will mortgage insurance cost over the life of the loan?

More about FHA loan

How this list is ranked

Specialty evidence carries the most weight (production data, then lender page, then self-reported). Loan officers must be licensed in MN or have a branch there. Then branch location, years licensed and profile completeness. Disciplinary actions lower the score and are always shown. No paid placement. Methodology.

Same list as JSON: /api/v1/loan-officers?specialty=fha&state=MN. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.