Borrower situations · Minnesota
Loan officers for self-employed borrowers in Minnesota
As of 2026-10-09, LenDb lists 15 loan officers licensed in or based in Minnesota whose lender pages show Self-employed work. The top-ranked are James Igbinovia (CrossCountry Mortgage, Scottsdale), Allison Larson (Guild Mortgage, Prior Lake) and Agostino (Augie) Iacono (Barrett Financial Group, Brookfield). 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 15
- 1
James IgbinoviaNMLS 626688
CrossCountry Mortgage · Scottsdale, AZ · licensed in 29 states
- Self-employed
- Construction loan
- Jumbo loan
- USDA loan
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in MN (listed on lender page, verified 2026-10-09)
- 20 years experience (stated on lender page, 2026-10-09)
- No disciplinary actions on file at LenDb
- 2
Allison LarsonNMLS 1059283
Guild Mortgage · Prior Lake, MN · licensed in 2 states
- Self-employed
- First-time buyer
- New construction
- Lists Self-employed 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
- 3
Agostino (Augie) IaconoNMLS 283725
Barrett Financial Group · Brookfield, WI · licensed in 11 states
- Self-employed
- Bank statement loan
- Down payment assistance
- FHA loan
- Lists Self-employed 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
- 4
Brad ThoreenNMLS 1891592
JPMorgan Chase Bank (Chase Home Lending) · Blaine, MN
- Self-employed
- FHA loan
- Jumbo loan
- VA loan
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Branch in Minnesota; no license list on file yet, verify at NMLS Consumer Access
- 35 years experience (stated on lender page, 2026-10-09)
- No disciplinary actions on file at LenDb
- 5
Heath BarnesNMLS 210164
Guild Mortgage · Houston, TX · licensed in 10 states
- Self-employed
- First-time buyer
- Jumbo loan
- Real estate investor
- Lists Self-employed 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
- 6
Michael RepshasNMLS 1025235
Guild Mortgage · McLean, VA · licensed in 6 states
- Self-employed
- Jumbo loan
- Real estate investor
- VA loan
- Lists Self-employed 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
- 7
Tyler ShipeNMLS 745667
JPMorgan Chase Bank (Chase Home Lending) · Saint Paul, MN
- Self-employed
- First-time buyer
- Jumbo loan
- Vacation home
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Branch in Minnesota; no license list on file yet, verify at NMLS Consumer Access
- 11 years experience (stated on lender page, 2026-10-09)
- No disciplinary actions on file at LenDb
- 8
Iris LegaspiNMLS 690505
First Citizens Bank · San Diego, CA · licensed in 35 states
- Self-employed
- Down payment assistance
- First-time buyer
- Jumbo loan
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in MN (listed on lender page, verified 2026-10-09)
- 17 years experience (stated on lender page, 2026-10-09)
- No disciplinary actions on file at LenDb
- 9
Ivan LinNMLS 2462401
Loan Factory · licensed in 10 states
- Self-employed
- First-time buyer
- Real estate investor
- Construction loan
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in MN (listed on lender page, verified 2026-10-09)
- 0 years licensed
- No disciplinary actions on file at LenDb
- 10
Jason FoxNMLS 179208
NFM Lending · Frederick, MD · licensed in 18 states
- Self-employed
- DSCR loan
- FHA loan
- First-time buyer
- Lists Self-employed 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
Andrea BlairNMLS 442531
JPMorgan Chase Bank (Chase Home Lending) · Maple Grove, MN
- Self-employed
- Down payment assistance
- FHA loan
- VA loan
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Branch in Minnesota; no license list on file yet, verify at NMLS Consumer Access
- 18 years experience (stated on lender page, 2026-10-09)
- No disciplinary actions on file at LenDb
- 12
Denise Cuddeback MontgomeryNMLS 57734
American Pacific Mortgage · Eugene, OR · licensed in 11 states
- Self-employed
- Bank statement loan
- Down payment assistance
- DSCR loan
- Lists Self-employed 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
- 13
Cody TealNMLS 65382
First Citizens Bank · Wilmington, NC · licensed in 33 states
- Self-employed
- Construction loan
- First-time buyer
- Jumbo loan
- Lists Self-employed 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
- 14
Manen PanNMLS 1006352
First Citizens Bank · Pasadena, CA · licensed in 32 states
- Self-employed
- Real estate investor
- Construction loan
- Down payment assistance
- Lists Self-employed 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
- 15
Teyona StewartNMLS 2215853
First Citizens Bank · La Jolla, CA · licensed in 35 states
- Self-employed
- First-time buyer
- Down payment assistance
- FHA loan
- Lists Self-employed 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
Tax write-offs reduce qualifying income, so the loan officer must know both agency self-employed rules and alternative documentation options.
- How will you calculate my income from my tax returns?
- Would a bank statement or P&L loan qualify me for more?
- Do I need two years of self-employment history?
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=self-employed&state=MN. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.