{
  "canonical_url": "https://lendb.ai/s/reverse/minnesota",
  "summary": "As of 2026-10-09, LenDb lists 25 loan officers licensed in or based in Minnesota whose lender pages show Reverse mortgage work. The top-ranked are Alina Passarelli (CrossCountry Mortgage, Bloomington), Earl Rose (CrossCountry Mortgage, Bloomington) and Dawn Rae Pemberton (Fairway Independent Mortgage Corporation, Naples). Ranking is lender-neutral: specialty evidence first, then a license in MN, branch location, experience and profile completeness. Nobody pays for placement.",
  "specialty": "reverse",
  "state": "MN",
  "total": 25,
  "last_verified": "2026-10-09",
  "results": [
    {
      "rank": 1,
      "score": 58.8,
      "loan_officer": {
        "nmls_id": 525407,
        "slug": "alina-passarelli-525407",
        "full_name": "Alina Passarelli",
        "canonical_url": "https://lendb.ai/lo/alina-passarelli-525407",
        "json_url": "https://lendb.ai/lo/alina-passarelli-525407.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Bloomington",
          "state": "MN"
        },
        "licensed_states": [
          "FL",
          "AZ",
          "IL",
          "MN",
          "WI"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 12,
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/bloomington-mn-3173/alina-passarelli/"
      },
      "reasons": [
        "Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)",
        "Licensed in MN (listed on lender page, verified 2026-10-09)",
        "Branch in Minnesota",
        "12 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/alina-passarelli-525407"
    },
    {
      "rank": 2,
      "score": 58.3,
      "loan_officer": {
        "nmls_id": 212480,
        "slug": "earl-rose-212480",
        "full_name": "Earl Rose",
        "canonical_url": "https://lendb.ai/lo/earl-rose-212480",
        "json_url": "https://lendb.ai/lo/earl-rose-212480.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Bloomington",
          "state": "MN"
        },
        "licensed_states": [
          "FL",
          "AZ",
          "CA",
          "CO",
          "IA",
          "IL",
          "IN",
          "MI",
          "MN",
          "MO",
          "PA",
          "SD",
          "TX",
          "WA",
          "WI"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 7,
        "years_experience": 45,
        "lender_profile_url": "https://crosscountrymortgage.com/bloomington-mn-3618/earl-rose/"
      },
      "reasons": [
        "Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)",
        "Licensed in MN (listed on lender page, verified 2026-10-09)",
        "Branch in Minnesota",
        "7 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/earl-rose-212480"
    },
    {
      "rank": 3,
      "score": 57.3,
      "loan_officer": {
        "nmls_id": 162320,
        "slug": "dawn-pemberton-162320",
        "full_name": "Dawn Rae Pemberton",
        "canonical_url": "https://lendb.ai/lo/dawn-pemberton-162320",
        "json_url": "https://lendb.ai/lo/dawn-pemberton-162320.json",
        "lender": {
          "nmls_id": 2289,
          "name": "Fairway Independent Mortgage Corporation",
          "canonical_url": "https://lendb.ai/lender/fairway-independent-mortgage-2289",
          "type": "imb"
        },
        "branch": {
          "city": "Naples",
          "state": "FL"
        },
        "licensed_states": [
          "FL",
          "AR",
          "AZ",
          "CA",
          "CO",
          "GA",
          "IL",
          "KS",
          "KY",
          "LA",
          "MN",
          "MO",
          "NM",
          "OH",
          "OK",
          "PA",
          "TN",
          "TX",
          "VA",
          "WA",
          "WI"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 15,
        "years_experience": null,
        "lender_profile_url": "https://www.fairway.com/lo/dawn-pemberton-162320"
      },
      "reasons": [
        "Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)",
        "Licensed in MN (listed on lender page, verified 2026-10-09)",
        "15 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/dawn-pemberton-162320"
    },
    {
      "rank": 4,
      "score": 52,
      "loan_officer": {
        "nmls_id": 229719,
        "slug": "ian-mcdonald-229719",
        "full_name": "Ian McDonald",
        "canonical_url": "https://lendb.ai/lo/ian-mcdonald-229719",
        "json_url": "https://lendb.ai/lo/ian-mcdonald-229719.json",
        "lender": {
          "nmls_id": 2289,
          "name": "Fairway Independent Mortgage Corporation",
          "canonical_url": "https://lendb.ai/lender/fairway-independent-mortgage-2289",
          "type": "imb"
        },
        "branch": {
          "city": "Hutchinson",
          "state": "MN"
        },
        "licensed_states": [
          "MN",
          "ND",
          "WI"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": null,
        "lender_profile_url": "https://www.fairway.com/lo/ian-mcdonald-229719"
      },
      "reasons": [
        "Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)",
        "Licensed in MN (listed on lender page, verified 2026-10-09)",
        "Branch in Minnesota",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/ian-mcdonald-229719"
    },
    {
      "rank": 5,
      "score": 51.8,
      "loan_officer": {
        "nmls_id": 255102,
        "slug": "john-coniglio-255102",
        "full_name": "John Coniglio",
        "canonical_url": "https://lendb.ai/lo/john-coniglio-255102",
        "json_url": "https://lendb.ai/lo/john-coniglio-255102.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
        },
        "branch": {
          "city": "Anderson",
          "state": "SC"
        },
        "licensed_states": [
          "FL",
          "CA",
          "GA",
          "IA",
          "IL",
          "MI",
          "MN",
          "NC",
          "SC",
          "TN",
          "TX",
          "VA",
          "WA",
          "WI",
          "WY"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 12,
        "years_experience": 18,
        "lender_profile_url": "https://branches.guildmortgage.com/sc/anderson/john-coniglio-524-chjcon.html"
      },
      "reasons": [
        "Lists Reverse mortgage 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"
      ],
      "canonical_url": "https://lendb.ai/lo/john-coniglio-255102"
    },
    {
      "rank": 6,
      "score": 51.8,
      "loan_officer": {
        "nmls_id": 1216580,
        "slug": "richard-williams-1216580",
        "full_name": "Rick Williams",
        "canonical_url": "https://lendb.ai/lo/richard-williams-1216580",
        "json_url": "https://lendb.ai/lo/richard-williams-1216580.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Newport Beach",
          "state": "CA"
        },
        "licensed_states": [
          "FL",
          "CA",
          "CO",
          "CT",
          "DC",
          "DE",
          "GA",
          "KS",
          "ME",
          "MN",
          "MT",
          "OR",
          "PA",
          "WA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 8,
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/newport-beach-ca-4875/richard-williams/"
      },
      "reasons": [
        "Lists Reverse mortgage 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"
      ],
      "canonical_url": "https://lendb.ai/lo/richard-williams-1216580"
    },
    {
      "rank": 7,
      "score": 51.3,
      "loan_officer": {
        "nmls_id": 1428112,
        "slug": "richard-stewart-1428112",
        "full_name": "Richard Stewart",
        "canonical_url": "https://lendb.ai/lo/richard-stewart-1428112",
        "json_url": "https://lendb.ai/lo/richard-stewart-1428112.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Greenwood Village",
          "state": "CO"
        },
        "licensed_states": [
          "FL",
          "AL",
          "AZ",
          "CA",
          "CO",
          "GA",
          "IL",
          "LA",
          "MN",
          "MO",
          "MT",
          "NV",
          "OK",
          "OR",
          "TX",
          "WY"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 7,
        "years_experience": 10,
        "lender_profile_url": "https://crosscountrymortgage.com/greenwood-village-co-3144/richard-stewart/"
      },
      "reasons": [
        "Lists Reverse mortgage 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"
      ],
      "canonical_url": "https://lendb.ai/lo/richard-stewart-1428112"
    },
    {
      "rank": 8,
      "score": 50,
      "loan_officer": {
        "nmls_id": 146985,
        "slug": "paula-bergfeld-146985",
        "full_name": "Paula Bergfeld, ChFC, CRMP",
        "canonical_url": "https://lendb.ai/lo/paula-bergfeld-146985",
        "json_url": "https://lendb.ai/lo/paula-bergfeld-146985.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Fishers",
          "state": "IN"
        },
        "licensed_states": [
          "FL",
          "AZ",
          "CA",
          "CO",
          "GA",
          "IL",
          "IN",
          "KY",
          "MA",
          "MD",
          "MI",
          "MN",
          "MO",
          "OH",
          "PA",
          "SC",
          "TN",
          "TX",
          "VA",
          "WA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 6,
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/fishers-in-1691/paula-bergfeld/"
      },
      "reasons": [
        "Lists Reverse mortgage 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"
      ],
      "canonical_url": "https://lendb.ai/lo/paula-bergfeld-146985"
    },
    {
      "rank": 9,
      "score": 49.8,
      "loan_officer": {
        "nmls_id": 1737404,
        "slug": "kenneth-rojas-1737404",
        "full_name": "Kenny Rojas",
        "canonical_url": "https://lendb.ai/lo/kenneth-rojas-1737404",
        "json_url": "https://lendb.ai/lo/kenneth-rojas-1737404.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
        },
        "branch": {
          "city": "Clarksville",
          "state": "TN"
        },
        "licensed_states": [
          "FL",
          "AR",
          "AZ",
          "CA",
          "CO",
          "GA",
          "IN",
          "MI",
          "MN",
          "ND",
          "OK",
          "TN",
          "TX"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 8,
        "years_experience": null,
        "lender_profile_url": "https://branches.guildmortgage.com/tn/clarksville/kenny-rojas-652-chkro.html"
      },
      "reasons": [
        "Lists Reverse mortgage 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"
      ],
      "canonical_url": "https://lendb.ai/lo/kenneth-rojas-1737404"
    },
    {
      "rank": 10,
      "score": 49,
      "loan_officer": {
        "nmls_id": 311824,
        "slug": "thomas-lake-311824",
        "full_name": "Thomas Lake",
        "canonical_url": "https://lendb.ai/lo/thomas-lake-311824",
        "json_url": "https://lendb.ai/lo/thomas-lake-311824.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
        },
        "branch": {
          "city": "San Diego",
          "state": "CA"
        },
        "licensed_states": [
          "FL",
          "AZ",
          "CA",
          "GA",
          "IL",
          "IN",
          "MD",
          "ME",
          "MN",
          "NC",
          "NV",
          "OH",
          "TN",
          "TX",
          "WA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 8,
        "years_experience": null,
        "lender_profile_url": "https://branches.guildmortgage.com/ca/sandiego/thomas-lake-332-chtl.html"
      },
      "reasons": [
        "Lists Reverse mortgage 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"
      ],
      "canonical_url": "https://lendb.ai/lo/thomas-lake-311824"
    },
    {
      "rank": 11,
      "score": 48.5,
      "loan_officer": {
        "nmls_id": 507517,
        "slug": "erik-patten-507517",
        "full_name": "Erik Patten",
        "canonical_url": "https://lendb.ai/lo/erik-patten-507517",
        "json_url": "https://lendb.ai/lo/erik-patten-507517.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
        },
        "branch": {
          "city": "Boulder",
          "state": "CO"
        },
        "licensed_states": [
          "CA",
          "CO",
          "IA",
          "KS",
          "MN",
          "OK",
          "OR",
          "TX",
          "WY"
        ],
        "languages": [
          "es"
        ],
        "specialties": [
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 9,
        "years_experience": null,
        "lender_profile_url": "https://branches.guildmortgage.com/co/boulder/erik-patten-852-hpep.html"
      },
      "reasons": [
        "Lists Reverse mortgage 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"
      ],
      "canonical_url": "https://lendb.ai/lo/erik-patten-507517"
    },
    {
      "rank": 12,
      "score": 48.3,
      "loan_officer": {
        "nmls_id": 283725,
        "slug": "agostino-augie-iacono-283725",
        "full_name": "Agostino (Augie) Iacono",
        "canonical_url": "https://lendb.ai/lo/agostino-augie-iacono-283725",
        "json_url": "https://lendb.ai/lo/agostino-augie-iacono-283725.json",
        "lender": {
          "nmls_id": 181106,
          "name": "Barrett Financial Group",
          "canonical_url": "https://lendb.ai/lender/barrett-financial-181106",
          "type": "broker"
        },
        "branch": {
          "city": "Brookfield",
          "state": "WI"
        },
        "licensed_states": [
          "AZ",
          "FL",
          "IL",
          "IN",
          "KY",
          "MI",
          "MN",
          "OH",
          "OK",
          "PA",
          "WI"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "bank-statement",
            "evidence": "lender_page_text"
          },
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 9,
        "years_experience": null,
        "lender_profile_url": "https://www.barrettfinancial.com/agostino-augie-iacono"
      },
      "reasons": [
        "Lists Reverse mortgage 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"
      ],
      "canonical_url": "https://lendb.ai/lo/agostino-augie-iacono-283725"
    },
    {
      "rank": 13,
      "score": 47.8,
      "loan_officer": {
        "nmls_id": 277851,
        "slug": "josh-kilty-277851",
        "full_name": "Josh Kilty",
        "canonical_url": "https://lendb.ai/lo/josh-kilty-277851",
        "json_url": "https://lendb.ai/lo/josh-kilty-277851.json",
        "lender": {
          "nmls_id": 2289,
          "name": "Fairway Independent Mortgage Corporation",
          "canonical_url": "https://lendb.ai/lender/fairway-independent-mortgage-2289",
          "type": "imb"
        },
        "branch": {
          "city": "Marshfield",
          "state": "WI"
        },
        "licensed_states": [
          "IN",
          "MI",
          "MN",
          "WI"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": null,
        "lender_profile_url": "https://www.fairway.com/lo/josh-kilty-277851"
      },
      "reasons": [
        "Lists Reverse mortgage 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"
      ],
      "canonical_url": "https://lendb.ai/lo/josh-kilty-277851"
    },
    {
      "rank": 14,
      "score": 47,
      "loan_officer": {
        "nmls_id": 1236912,
        "slug": "amber-docken-1236912",
        "full_name": "Amber Docken",
        "canonical_url": "https://lendb.ai/lo/amber-docken-1236912",
        "json_url": "https://lendb.ai/lo/amber-docken-1236912.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
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            "slug": "asset-based",
            "evidence": "lender_page_text"
          },
          {
            "slug": "bank-statement",
            "evidence": "lender_page_text"
          },
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "dscr",
            "evidence": "lender_page_text"
          },
          {
            "slug": "itin",
            "evidence": "lender_page_text"
          },
          {
            "slug": "recent-credit-event",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": null,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/ram-mishra-231417"
      },
      "reasons": [
        "Lists Reverse mortgage 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"
      ],
      "canonical_url": "https://lendb.ai/lo/ram-mishra-231417"
    }
  ]
}