--- canonical_url: https://lendb.ai/s/fha/minnesota last_verified: 2026-10-09 --- # FHA loan officers in Minnesota As of 2026-10-09, LenDb lists 104 loan officers licensed in or based in Minnesota whose lender pages show FHA loan work. The top-ranked are Mark Hesser (CrossCountry Mortgage, Bloomington), Kelly Nelson (CrossCountry Mortgage, Eden Prairie) and Scott Reese (CrossCountry Mortgage, Cleveland). Ranking is lender-neutral: specialty evidence first, then a license in MN, branch location, experience and profile completeness. Nobody pays for placement. ## Ranked, with reasons 1. **[Mark Hesser](https://lendb.ai/lo/mark-hesser-452476)** (NMLS 452476), CrossCountry Mortgage, Bloomington, MN - Lists FHA loan on lender page (lender page, verified 2026-10-09) - Office in Bloomington, MN - MN listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2019 (per Florida records) - States 35 years of experience (lender page, 2026-10-09) 2. **[Kelly Nelson](https://lendb.ai/lo/kelly-nelson-2852313)** (NMLS 2852313), CrossCountry Mortgage, Eden Prairie, MN - Lists FHA loan on lender page (lender page, verified 2026-10-09) - Office in Eden Prairie, MN - MN listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 15 years of experience (lender page, 2026-10-09) 3. **[Scott Reese](https://lendb.ai/lo/douglas-reese-86512)** (NMLS 86512), CrossCountry Mortgage, Cleveland, OH - Lists FHA loan on lender page (lender page, verified 2026-10-09) - MN listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2022 (per Florida records) - States 20 years of experience (lender page, 2026-10-09) 4. **[Sandee Lutz](https://lendb.ai/lo/sandra-lutz-533656)** (NMLS 533656), CrossCountry Mortgage, Romeo, MI - Lists FHA loan on lender page (lender page, verified 2026-10-09) - MN listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2020 (per Florida records) - States 20 years of experience (lender page, 2026-10-09) 5. **[Domonique Gray](https://lendb.ai/lo/domonique-gray-900558)** (NMLS 900558), Churchill Mortgage, Brentwood, TN - Lists FHA loan on lender page (lender page, verified 2026-10-09) - MN listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2023 (per Florida records) - States 30 years of experience (lender page, 2026-10-09) 6. **[Cameron Gemoets](https://lendb.ai/lo/cameron-gemoets-2701842)** (NMLS 2701842), CrossCountry Mortgage, Cleveland, OH - Lists FHA loan on lender page (lender page, verified 2026-10-09) - MN listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2025 (per Florida records) - States 20 years of experience (lender page, 2026-10-09) 7. **[John Astrologo](https://lendb.ai/lo/john-astrologo-441861)** (NMLS 441861), CrossCountry Mortgage, White Plains, NY - Lists FHA loan on lender page (lender page, verified 2026-10-09) - MN listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2022 (per Florida records) - States 16 years of experience (lender page, 2026-10-09) 8. **[Kristina Melnik](https://lendb.ai/lo/kvitoslava-melnik-2316172)** (NMLS 2316172), Churchill Mortgage, Roseville, CA - Lists FHA loan on lender page (lender page, verified 2026-10-09) - MN listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2025 (per Florida records) - States 8 years of experience (lender page, 2026-10-09) 9. **[Ellie Breitbach](https://lendb.ai/lo/elizabeth-breitbach-1849568)** (NMLS 1849568), Guild Mortgage, Prior Lake, MN - Lists FHA loan on lender page (lender page, verified 2026-10-09) - Office in Prior Lake, MN - MN listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2024 (per Florida records) 10. **[Dan Larkin](https://lendb.ai/lo/daniel-larkin-258898)** (NMLS 258898), LeaderOne Financial, Oak Brook, IL - Lists FHA loan on lender page (lender page, verified 2026-10-09) - MN listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2017 (per Florida records) - States 25 years of experience (lender page, 2026-10-09) 11. **[Kristina Hayes](https://lendb.ai/lo/kristina-hayes-1057175)** (NMLS 1057175), Churchill Mortgage, Irvine, CA - Lists FHA loan on lender page (lender page, verified 2026-10-09) - MN listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2013 (per Colorado records) - States 35 years of experience (lender page, 2026-10-09) 12. **[James McMurrey](https://lendb.ai/lo/james-mcmurrey-2302283)** (NMLS 2302283), CrossCountry Mortgage, Lacey, WA - Lists FHA loan on lender page (lender page, verified 2026-10-09) - MN listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2023 (per Florida records) 13. **[Denise Cuddeback Montgomery](https://lendb.ai/lo/denise-montgomery-57734)** (NMLS 57734), American Pacific Mortgage, Eugene, OR - Lists FHA loan on lender page (lender page, verified 2026-10-09) - MN listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2023 (per Florida records) - States 30 years of experience (lender page, 2026-10-09) 14. **[John Ortega](https://lendb.ai/lo/john-ortega-461624)** (NMLS 461624), Churchill Mortgage, Irvine, CA - Lists FHA loan on lender page (lender page, verified 2026-10-09) - MN listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2025 (per Florida records) 15. **[Brad Thoreen](https://lendb.ai/lo/brad-thoreen-1891592)** (NMLS 1891592), JPMorgan Chase Bank (Chase Home Lending), Blaine, MN - Lists FHA loan on lender page (lender page, verified 2026-10-09) - Office in Blaine, MN - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS 16. **[Will Pendergraft](https://lendb.ai/lo/william-pendergraft-887706)** (NMLS 887706), Churchill Mortgage - Lists FHA loan on lender page (lender page, verified 2026-10-09) - MN listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2024 (per Florida records) 17. **[Nathan Julius](https://lendb.ai/lo/nathan-julius-2613390)** (NMLS 2613390), Churchill Mortgage, Delafield, WI - Lists FHA loan on lender page (lender page, verified 2026-10-09) - MN listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2026 (per Colorado records) 18. **[Jason Fox](https://lendb.ai/lo/jason-fox-179208)** (NMLS 179208), NFM Lending, Frederick, MD - Lists FHA loan on lender page (lender page, verified 2026-10-09) - MN listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2018 (per Florida records) 19. **[Diana Flynn](https://lendb.ai/lo/diana-flynn-1934853)** (NMLS 1934853), NFM Lending, Columbus, OH - Lists FHA loan on lender page (lender page, verified 2026-10-09) - MN listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2020 (per Florida records) 20. **[Kevin Holmes](https://lendb.ai/lo/kevin-holmes-193246)** (NMLS 193246), NFM Lending, Linthicum, MD - Lists FHA loan on lender page (lender page, verified 2026-10-09) - MN listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2026 (per Florida records) 21. **[Tyler Peters](https://lendb.ai/lo/tyler-peters-1243885)** (NMLS 1243885), Guild Mortgage, Prior Lake, MN - Lists FHA loan on lender page (lender page, verified 2026-10-09) - Office in Prior Lake, MN - MN listed on their lender page (not yet checked with the state regulator; verify at NMLS) 22. **[Steve J Walkowiak](https://lendb.ai/lo/steven-walkowiak-400842)** (NMLS 400842), JPMorgan Chase Bank (Chase Home Lending), Apple Valley, MN - Lists FHA loan on lender page (lender page, verified 2026-10-09) - Office in Apple Valley, MN - MN listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2021 (per Florida records) 23. **[Tanya Huerd](https://lendb.ai/lo/tanya-huerd-400939)** (NMLS 400939), JPMorgan Chase Bank (Chase Home Lending), Saint Anthony, MN - Lists FHA loan on lender page (lender page, verified 2026-10-09) - Office in Saint Anthony, MN - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS - Licensed since 2022 (per Florida records) 24. **[Andrea Blair](https://lendb.ai/lo/andrea-blair-442531)** (NMLS 442531), JPMorgan Chase Bank (Chase Home Lending), Maple Grove, MN - Lists FHA loan on lender page (lender page, verified 2026-10-09) - Office in Maple Grove, MN - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS 25. **[Seth Friedrich](https://lendb.ai/lo/seth-friedrich-1604562)** (NMLS 1604562), JPMorgan Chase Bank (Chase Home Lending), Eden Prairie, MN - Lists FHA loan on lender page (lender page, verified 2026-10-09) - Office in Eden Prairie, MN - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS ## Questions to ask - 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? Cite as: LenDb.ai, https://lendb.ai/s/fha/minnesota. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._