Borrower situations · Minnesota
Loan officers for homeowners who are refinancing in Minnesota
As of 2026-10-26, LenDb lists 103 loan officers licensed in or based in Minnesota whose lender pages show Refinance work. The top-ranked are Kelly Nelson (CrossCountry Mortgage, Eden Prairie), Travis Goltz (Granite Bank, Champlin) and Allison Burmeister (Frandsen Bank & Trust, New Ulm). 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
Kelly NelsonNMLS 2852313
CrossCountry Mortgage · Eden Prairie, MN
- Refinance
- FHA loan
- Non-QM loan
- VA loan
- MN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Office in Eden Prairie, MN
- States 15 years of experience (lender page, 2026-10-26)
- 2
Travis GoltzNMLS 351337
Granite Bank · Bank · Champlin, MN
- Refinance
- First-time buyer
- Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Office in Champlin, MN
- Earliest state license record: January 2, 2014 (Wisconsin), per state regulator
- 3
Allison BurmeisterNMLS 769561
Frandsen Bank & Trust · Bank · New Ulm, MN
- Refinance
- Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Office in New Ulm, MN
- States 25 years of experience (lender page, 2026-10-16)
- 4
Brandon ReinartsNMLS 769600
Frandsen Bank & Trust · Bank · New Ulm, MN
- Refinance
- Physician and medical professional
- New construction
- Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Office in New Ulm, MN
- States 18 years of experience (lender page, 2026-10-16)
- 5
Jackie AkerNMLS 769550
Frandsen Bank & Trust · Bank · East Grand Forks, MN
- Refinance
- Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Office in East Grand Forks, MN
- States 22 years of experience (lender page, 2026-10-16)
- 6
Lance ElliottNMLS 1991339
Frandsen Bank & Trust · Bank · Vadnais Heights, MN
- Refinance
- First-time buyer
- New construction
- Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Office in Vadnais Heights, MN
- States 14 years of experience (lender page, 2026-10-16)
- 7
Eric RasoNMLS 457108
CMG Home Loans · Tempe, AZ · licensed in 40 states
- Refinance
- 2 to 4 unit property
- Low credit score
- Non-QM loan
- MN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-20)
- Earliest state license record: August 27, 2014 (Colorado), per state regulator
- States 20 years of experience (lender page, 2026-10-20)
- 8
Evan JansenNMLS 128384
Summit Mortgage Corporation · Lakewood, CO · licensed in 9 states
- Refinance
- Down payment assistance
- FHA loan
- Jumbo loan
- MN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Earliest state license record: July 29, 2008 (Wisconsin), per state regulator
- 9
Kevin LeeNMLS 212019
Summit Mortgage Corporation · Plymouth, MN · licensed in 3 states
- Refinance
- Real estate investor
- Renovation loan (203k / HomeStyle)
- USDA loan
- MN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Office in Plymouth, MN
- Earliest state license record: July 18, 2023 (Wisconsin), per state regulator
- 10
Nick EricksonNMLS 537110
Bell Bank · Bank · Detroit Lakes, MN
- Refinance
- FHA loan
- USDA loan
- VA loan
- Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Office in Detroit Lakes, MN
- 11
Shauna YliniemiNMLS 1660120
Bell Bank · Bank · Detroit Lakes, MN
- Refinance
- FHA loan
- USDA loan
- VA loan
- Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Office in Detroit Lakes, MN
- 12
Chris BoelterNMLS 11981
Frandsen Bank & Trust · Bank · Baxter, MN
- Refinance
- Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Office in Baxter, MN
- 13
Denise Cuddeback MontgomeryNMLS 57734
American Pacific Mortgage · Eugene, OR · licensed in 11 states
- Refinance
- Bank statement loan
- Down payment assistance
- DSCR loan
- MN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-20)
- Earliest state license record: July 31, 2010 (Oregon), per state regulator
- 14
Logan RivardNMLS 2701342
Frandsen Bank & Trust · Bank · Lakeville, MN
- Refinance
- Vacation home
- Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Office in Lakeville, MN
- States 6 years of experience (lender page, 2026-10-16)
- 15
Jason FoxNMLS 179208
NFM Lending · Frederick, MD · licensed in 18 states
- Refinance
- Vacation home
- Bank statement loan
- DSCR loan
- MN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-20)
- Earliest state license record: August 23, 2016 (California), per state regulator
- 16
Cheri PagnacNMLS 769595
Frandsen Bank & Trust · Bank · Warren, MN
- Refinance
- New construction
- Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
- Focus: Refinance (from their own specialty list on their lender page, verified 2026-10-26)
- Office in Warren, MN
- 17
Benjamin WilliamsNMLS 1025173
Guild Mortgage · San Diego, CA · licensed in 45 states
- Refinance
- MN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Earliest state license record: June 4, 2013 (Oregon), per state regulator
- 18
Debbie SchmidtNMLS 201144
Churchill Mortgage · Scottsdale, AZ · licensed in 7 states
- Refinance
- MN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-20)
- Earliest state license record: September 7, 2016 (California), per state regulator
- States 24 years of experience (lender page, 2026-10-20)
- 19
Mark YoumagulNMLS 319143
Barrett Financial Group · Mortgage broker · Chandler, AZ · licensed in 20 states
- Refinance
- MN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-20)
- Earliest state license record: July 27, 2010 (California), per state regulator
- 20
Tom HotterNMLS 1840776
Thompson Kane & Company, Inc. · licensed in 10 states
- Refinance
- First-time buyer
- MN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-22)
- Earliest state license record: April 30, 2019 (Wisconsin), per state regulator
- States 20 years of experience (lender page, 2026-10-22)
- 21
Ron LuttrullNMLS 274181
Guild Mortgage · San Diego, CA · licensed in 44 states
- Refinance
- MN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Earliest state license record: May 19, 2010 (California), per state regulator
- States 20 years of experience (lender page, 2026-10-19)
- 22
Andy PriceNMLS 175742
Price Mortgage · Mortgage broker · licensed in 30 states
- Refinance
- MN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-21)
- Earliest state license record: March 16, 2017 (California), per state regulator
- States 15 years of experience (lender page, 2026-10-21)
- 23
Spencer WartmanNMLS 2109932
Trident Home Loans · Pensacola, FL · licensed in 22 states
- Refinance
- VA loan
- MN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Earliest state license record: February 18, 2022 (Florida), per state regulator
- 24
Earl RoseNMLS 212480
CrossCountry Mortgage · Bloomington, MN · licensed in 15 states
- Refinance
- Reverse mortgage
- MN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-22)
- Office in Bloomington, MN
- Earliest state license record: January 7, 2014 (Wisconsin), per state regulator
- States 45 years of experience (lender page, 2026-10-22)
- 25
Travis WhitfordNMLS 230941
CrossCountry Mortgage · Lake Elmo, MN · licensed in 4 states
- Refinance
- VA loan
- FHA loan
- First-time buyer
- MN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Office in Lake Elmo, MN
- Earliest state license record: March 4, 1999 (Wisconsin), per state regulator
Before you choose
Whether a refinance pays off depends on closing costs, how long you keep the loan and the new rate; cash-out and buyout refinances have their own equity, seasoning and title rules.
- What are my total closing costs, and how many months until the lower payment pays them back?
- Can I take cash out, and how much equity do I need to keep?
- If I am buying out a former spouse or co-owner, what does the divorce decree or agreement need to say?
How this list is ranked
Specialty evidence carries the most weight (production data, then lender page, then self-reported). Loan officers are listed when a MN license is confirmed with the state regulator (check mark), MN is listed on their lender page, or they work at a bank or credit union (likely federally registered; verify at NMLS). Then branch location, experience (the earliest state license record in the regulator rosters we hold, or years the loan officer states) and profile completeness. Disciplinary history is not yet checked by LenDb; verify at NMLS Consumer Access. No paid placement. Methodology.
Same list as JSON: /api/v1/loan-officers?specialty=refinance&state=MN. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.