---
canonical_url: https://lendb.ai/s/refinance/minnesota
last_verified: 2026-10-26
---

# 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.

## Ranked, with reasons

1. **[Kelly Nelson](https://lendb.ai/lo/kelly-nelson-2852313)** (NMLS 2852313), CrossCountry Mortgage, Eden Prairie, MN
   - Lists Refinance on lender page (lender page, verified 2026-10-26)
   - 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, 2026-10-26)
2. **[Travis Goltz](https://lendb.ai/lo/travis-goltz-351337)** (NMLS 351337), Granite Bank, Champlin, MN
   - Lists Refinance on lender page (lender page, verified 2026-10-26)
   - Office in Champlin, MN
   - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
   - Earliest state license record: January 2, 2014 (Wisconsin), per state regulator
3. **[Allison Burmeister](https://lendb.ai/lo/allison-burmeister-769561)** (NMLS 769561), Frandsen Bank & Trust, New Ulm, MN
   - Lists Refinance on lender page (lender page, verified 2026-10-26)
   - Office in New Ulm, MN
   - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
   - States 25 years of experience (lender page, 2026-10-16)
4. **[Brandon Reinarts](https://lendb.ai/lo/brandon-reinarts-769600)** (NMLS 769600), Frandsen Bank & Trust, New Ulm, MN
   - Lists Refinance on lender page (lender page, verified 2026-10-26)
   - Office in New Ulm, MN
   - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
   - States 18 years of experience (lender page, 2026-10-16)
5. **[Jackie Aker](https://lendb.ai/lo/jackie-aker-769550)** (NMLS 769550), Frandsen Bank & Trust, East Grand Forks, MN
   - Lists Refinance on lender page (lender page, verified 2026-10-26)
   - Office in East Grand Forks, MN
   - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
   - States 22 years of experience (lender page, 2026-10-16)
6. **[Lance Elliott](https://lendb.ai/lo/lance-elliott-1991339)** (NMLS 1991339), Frandsen Bank & Trust, Vadnais Heights, MN
   - Lists Refinance on lender page (lender page, verified 2026-10-26)
   - Office in Vadnais Heights, MN
   - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
   - States 14 years of experience (lender page, 2026-10-16)
7. **[Eric Raso](https://lendb.ai/lo/eric-raso-457108)** (NMLS 457108), CMG Home Loans, Tempe, AZ
   - Lists Refinance on lender page (lender page, verified 2026-10-20)
   - MN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Earliest state license record: August 27, 2014 (Colorado), per state regulator
   - States 20 years of experience (lender page, 2026-10-20)
8. **[Evan Jansen](https://lendb.ai/lo/evan-jansen-128384)** (NMLS 128384), Summit Mortgage Corporation, Lakewood, CO
   - Lists Refinance on lender page (lender page, verified 2026-10-26)
   - MN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Earliest state license record: July 29, 2008 (Wisconsin), per state regulator
9. **[Kevin Lee](https://lendb.ai/lo/kevin-lee-212019)** (NMLS 212019), Summit Mortgage Corporation, Plymouth, MN
   - Lists Refinance on lender page (lender page, verified 2026-10-26)
   - Office in Plymouth, MN
   - MN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Earliest state license record: July 18, 2023 (Wisconsin), per state regulator
10. **[Nick Erickson](https://lendb.ai/lo/nick-erickson-537110)** (NMLS 537110), Bell Bank, Detroit Lakes, MN
   - Lists Refinance on lender page (lender page, verified 2026-10-26)
   - Office in Detroit Lakes, MN
   - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
11. **[Shauna Yliniemi](https://lendb.ai/lo/shauna-yliniemi-1660120)** (NMLS 1660120), Bell Bank, Detroit Lakes, MN
   - Lists Refinance on lender page (lender page, verified 2026-10-26)
   - Office in Detroit Lakes, MN
   - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
12. **[Chris Boelter](https://lendb.ai/lo/chris-boelter-11981)** (NMLS 11981), Frandsen Bank & Trust, Baxter, MN
   - Lists Refinance on lender page (lender page, verified 2026-10-26)
   - Office in Baxter, MN
   - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
13. **[Denise Cuddeback Montgomery](https://lendb.ai/lo/denise-montgomery-57734)** (NMLS 57734), American Pacific Mortgage, Eugene, OR
   - Lists Refinance on lender page (lender page, verified 2026-10-20)
   - MN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Earliest state license record: July 31, 2010 (Oregon), per state regulator
14. **[Logan Rivard](https://lendb.ai/lo/logan-rivard-2701342)** (NMLS 2701342), Frandsen Bank & Trust, Lakeville, MN
   - Lists Refinance on lender page (lender page, verified 2026-10-26)
   - Office in Lakeville, MN
   - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
   - States 6 years of experience (lender page, 2026-10-16)
15. **[Jason Fox](https://lendb.ai/lo/jason-fox-179208)** (NMLS 179208), NFM Lending, Frederick, MD
   - Lists Refinance on lender page (lender page, verified 2026-10-20)
   - MN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Earliest state license record: August 23, 2016 (California), per state regulator
16. **[Cheri Pagnac](https://lendb.ai/lo/cheri-pagnac-769595)** (NMLS 769595), Frandsen Bank & Trust, Warren, MN
   - Focus: Refinance (from their own specialty list on their lender page, verified 2026-10-26)
   - Office in Warren, MN
   - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
17. **[Benjamin Williams](https://lendb.ai/lo/benjamin-williams-1025173)** (NMLS 1025173), Guild Mortgage, San Diego, CA
   - Lists Refinance on lender page (lender page, verified 2026-10-26)
   - MN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Earliest state license record: June 4, 2013 (Oregon), per state regulator
18. **[Debbie Schmidt](https://lendb.ai/lo/debbie-schmidt-201144)** (NMLS 201144), Churchill Mortgage, Scottsdale, AZ
   - Lists Refinance on lender page (lender page, verified 2026-10-20)
   - MN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Earliest state license record: September 7, 2016 (California), per state regulator
   - States 24 years of experience (lender page, 2026-10-20)
19. **[Mark Youmagul](https://lendb.ai/lo/phelotkhane-youmagul-319143)** (NMLS 319143), Barrett Financial Group, Chandler, AZ
   - Lists Refinance on lender page (lender page, verified 2026-10-20)
   - MN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Earliest state license record: July 27, 2010 (California), per state regulator
20. **[Tom Hotter](https://lendb.ai/lo/thomas-hotter-1840776)** (NMLS 1840776), Thompson Kane & Company, Inc.
   - Lists Refinance on lender page (lender page, verified 2026-10-22)
   - MN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Earliest state license record: April 30, 2019 (Wisconsin), per state regulator
   - States 20 years of experience (lender page, 2026-10-22)
21. **[Ron Luttrull](https://lendb.ai/lo/ronald-luttrull-274181)** (NMLS 274181), Guild Mortgage, San Diego, CA
   - Lists Refinance on lender page (lender page, verified 2026-10-26)
   - MN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Earliest state license record: May 19, 2010 (California), per state regulator
   - States 20 years of experience (lender page, 2026-10-19)
22. **[Andy Price](https://lendb.ai/lo/william-price-175742)** (NMLS 175742), Price Mortgage
   - Lists Refinance on lender page (lender page, verified 2026-10-21)
   - MN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Earliest state license record: March 16, 2017 (California), per state regulator
   - States 15 years of experience (lender page, 2026-10-21)
23. **[Spencer Wartman](https://lendb.ai/lo/spencer-wartman-2109932)** (NMLS 2109932), Trident Home Loans, Pensacola, FL
   - Lists Refinance on lender page (lender page, verified 2026-10-26)
   - MN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Earliest state license record: February 18, 2022 (Florida), per state regulator
24. **[Earl Rose](https://lendb.ai/lo/earl-rose-212480)** (NMLS 212480), CrossCountry Mortgage, Bloomington, MN
   - Lists Refinance on lender page (lender page, verified 2026-10-22)
   - Office in Bloomington, MN
   - MN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Earliest state license record: January 7, 2014 (Wisconsin), per state regulator
   - States 45 years of experience (lender page, 2026-10-22)
25. **[Travis Whitford](https://lendb.ai/lo/travis-whitford-230941)** (NMLS 230941), CrossCountry Mortgage, Lake Elmo, MN
   - Lists Refinance on lender page (lender page, verified 2026-10-26)
   - Office in Lake Elmo, MN
   - MN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Earliest state license record: March 4, 1999 (Wisconsin), per state regulator

## Questions to ask

- 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?

Cite as: LenDb.ai, https://lendb.ai/s/refinance/minnesota.

_Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._