--- canonical_url: https://lendb.ai/s/self-employed/minnesota last_verified: 2026-10-09 --- # Loan officers for self-employed borrowers in Minnesota As of 2026-10-09, LenDb lists 16 loan officers licensed in or based in Minnesota whose lender pages show Self-employed work. The top-ranked are James Igbinovia (CrossCountry Mortgage, Scottsdale), Jeff Adams (CrossCountry Mortgage, Cincinnati) and Allison Larson (Guild Mortgage, Prior Lake). 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. **[James Igbinovia](https://lendb.ai/lo/james-igbinovia-626688)** (NMLS 626688), CrossCountry Mortgage, Scottsdale, AZ - 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. **[Jeff Adams](https://lendb.ai/lo/jeffrey-adams-1851495)** (NMLS 1851495), CrossCountry Mortgage, Cincinnati, OH - Lists Self-employed on lender page (lender page, verified 2026-10-09) - Licensed in MN (listed on lender page, verified 2026-10-09) - 5 years licensed - No disciplinary actions on file at LenDb 3. **[Allison Larson](https://lendb.ai/lo/allison-larson-1059283)** (NMLS 1059283), Guild Mortgage, Prior Lake, MN - 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 4. **[Agostino (Augie) Iacono](https://lendb.ai/lo/agostino-augie-iacono-283725)** (NMLS 283725), Barrett Financial Group, Brookfield, WI - 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 5. **[Heath Barnes](https://lendb.ai/lo/heath-barnes-210164)** (NMLS 210164), Guild Mortgage, Houston, TX - 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 Repshas](https://lendb.ai/lo/michael-repshas-1025235)** (NMLS 1025235), Guild Mortgage, McLean, VA - 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. **[Iris Legaspi](https://lendb.ai/lo/iris-legaspi-690505)** (NMLS 690505), First Citizens Bank, San Diego, CA - 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 8. **[Brad Thoreen](https://lendb.ai/lo/brad-thoreen-1891592)** (NMLS 1891592), JPMorgan Chase Bank (Chase Home Lending), Blaine, MN - 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 - No disciplinary actions on file at LenDb 9. **[Ivan Lin](https://lendb.ai/lo/ivan-lin-2462401)** (NMLS 2462401), Loan Factory - 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 Fox](https://lendb.ai/lo/jason-fox-179208)** (NMLS 179208), NFM Lending, Frederick, MD - 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. **[Denise Cuddeback Montgomery](https://lendb.ai/lo/denise-montgomery-57734)** (NMLS 57734), American Pacific Mortgage, Eugene, OR - 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 12. **[Cody Teal](https://lendb.ai/lo/cody-teal-65382)** (NMLS 65382), First Citizens Bank, Wilmington, NC - 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 13. **[Manen Pan](https://lendb.ai/lo/manen-pan-1006352)** (NMLS 1006352), First Citizens Bank, Pasadena, CA - 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. **[Teyona Stewart](https://lendb.ai/lo/teyona-stewart-2215853)** (NMLS 2215853), First Citizens Bank, La Jolla, CA - 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. **[Andrea Blair](https://lendb.ai/lo/andrea-blair-442531)** (NMLS 442531), JPMorgan Chase Bank (Chase Home Lending), Maple Grove, MN - 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 - No disciplinary actions on file at LenDb 16. **[Tyler Shipe](https://lendb.ai/lo/tyler-shipe-745667)** (NMLS 745667), JPMorgan Chase Bank (Chase Home Lending), Saint Paul, MN - 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 - No disciplinary actions on file at LenDb ## Questions to ask - 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? Cite as: LenDb.ai, https://lendb.ai/s/self-employed/minnesota. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._