Loan programs · Minnesota
VA loan officers in Minnesota
As of 2026-10-09, LenDb lists 133 loan officers licensed in or based in Minnesota whose lender pages show VA loan work. The top-ranked are Mark Hesser (CrossCountry Mortgage, Bloomington), Habib Sadaka (CrossCountry Mortgage, Mankato) and Kelly Nelson (CrossCountry Mortgage, Eden Prairie). 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
Mark HesserNMLS 452476
CrossCountry Mortgage · Bloomington, MN · licensed in 2 states
- VA loan
- FHA loan
- MN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists VA loan on lender page (lender page, verified 2026-10-09)
- Office in Bloomington, MN
- Licensed since 2019 (per Florida records)
- States 35 years of experience (lender page, 2026-10-09)
- 2
Habib SadakaNMLS 339526
CrossCountry Mortgage · Mankato, MN · licensed in 9 states
- VA loan
- First-time buyer
- MN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists VA loan on lender page (lender page, verified 2026-10-09)
- Office in Mankato, MN
- Licensed since 2022 (per Florida records)
- States 15 years of experience (lender page, 2026-10-09)
- 3
Kelly NelsonNMLS 2852313
CrossCountry Mortgage · Eden Prairie, MN
- VA loan
- FHA loan
- Non-QM loan
- MN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists VA loan on lender page (lender page, verified 2026-10-09)
- Office in Eden Prairie, MN
- States 15 years of experience (lender page, 2026-10-09)
- 4
Scott ReeseNMLS 86512
CrossCountry Mortgage · Cleveland, OH · licensed in 17 states
- VA loan
- FHA loan
- First-time buyer
- HELOC
- MN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists VA loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2022 (per Florida records)
- States 20 years of experience (lender page, 2026-10-09)
- 5
Gregory TilyNMLS 1720774
CrossCountry Mortgage · Tampa, FL · licensed in 21 states
- VA loan
- Jumbo loan
- MN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists VA loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2021 (per Florida records)
- States 20 years of experience (lender page, 2026-10-09)
- 6
Cameron GemoetsNMLS 2701842
CrossCountry Mortgage · Cleveland, OH · licensed in 12 states
- VA loan
- Construction loan
- FHA loan
- USDA loan
- MN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists VA loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2025 (per Florida records)
- States 20 years of experience (lender page, 2026-10-09)
- 7
Dawn Rae PembertonNMLS 162320
Fairway Independent Mortgage Corporation · Naples, FL · licensed in 21 states
- VA loan
- Reverse mortgage
- MN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists VA loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2011 (per Florida records)
- 8
John AstrologoNMLS 441861
CrossCountry Mortgage · White Plains, NY · licensed in 10 states
- VA loan
- Co-op
- FHA loan
- First-time buyer
- MN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists VA loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2022 (per Florida records)
- States 16 years of experience (lender page, 2026-10-09)
- 9
Michael RepshasNMLS 1025235
Guild Mortgage · McLean, VA · licensed in 6 states
- VA loan
- Jumbo loan
- Real estate investor
- MN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists VA loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2019 (per Florida records)
- States 14 years of experience (lender page, 2026-10-09)
- 10
Scott EvansNMLS 256163
CrossCountry Mortgage · San Diego, CA · licensed in 38 states
- VA loan
- Jumbo loan
- FHA loan
- MN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists VA loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2013 (per Florida records)
- 11
Andrew SchmidtNMLS 201143
Churchill Mortgage · Scottsdale, AZ · licensed in 7 states
- VA loan
- FHA loan
- USDA loan
- MN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists VA loan on lender page (lender page, verified 2026-10-09)
- States 25 years of experience (lender page, 2026-10-09)
- 12
Domonique GrayNMLS 900558
Churchill Mortgage · Brentwood, TN · licensed in 31 states
- VA loan
- FHA loan
- First-time buyer
- Real estate investor
- MN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists VA loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2023 (per Florida records)
- States 30 years of experience (lender page, 2026-10-09)
- 13
Kristina HayesNMLS 1057175
Churchill Mortgage · Irvine, CA · licensed in 24 states
- VA loan
- FHA loan
- Non-QM loan
- MN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists VA loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2013 (per Colorado records)
- States 35 years of experience (lender page, 2026-10-09)
- 14
Mark VillanoNMLS 1306487
CrossCountry Mortgage · Lakewood, WA · licensed in 29 states
- VA loan
- Jumbo loan
- Real estate investor
- MN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists VA loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2019 (per Colorado records)
- States 12 years of experience (lender page, 2026-10-09)
- 15
Ty DowningNMLS 2281948
CrossCountry Mortgage · Tampa, FL · licensed in 7 states
- VA loan
- FHA loan
- First-time buyer
- MN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists VA loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2022 (per Florida records)
- States 11 years of experience (lender page, 2026-10-09)
- 16
Les FerrisNMLS 853139
CrossCountry Mortgage · Eden Prairie, MN · licensed in 2 states
- VA loan
- Real estate investor
- First-time buyer
- MN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists VA loan on lender page (lender page, verified 2026-10-09)
- Office in Eden Prairie, MN
- Licensed since 2021 (per Florida records)
- States 20 years of experience (lender page, 2026-10-09)
- 17
Mike OgnissantiNMLS 236053
Churchill Mortgage · Roseville, CA · licensed in 19 states
- VA loan
- First-time buyer
- MN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists VA loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2022 (per Florida records)
- States 30 years of experience (lender page, 2026-10-09)
- 18
Angie TurleyNMLS 363066
Fairway Independent Mortgage Corporation · Mooresville, IN · licensed in 26 states
- VA loan
- First-time buyer
- Self-employed
- MN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists VA loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2019 (per Florida records)
- 19
Will PendergraftNMLS 887706
Churchill Mortgage · Brentwood, TN · licensed in 20 states
- VA loan
- FHA loan
- First-time buyer
- Real estate investor
- MN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists VA loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2024 (per Florida records)
- States 15 years of experience (lender page, 2026-10-09)
- 20
Ellie BreitbachNMLS 1849568
Guild Mortgage · Prior Lake, MN · licensed in 4 states
- VA loan
- FHA loan
- USDA loan
- Down payment assistance
- MN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists VA loan on lender page (lender page, verified 2026-10-09)
- Office in Prior Lake, MN
- Licensed since 2024 (per Florida records)
- 21
Cody VillanoNMLS 2185555
CrossCountry Mortgage · Meridian, ID · licensed in 18 states
- VA loan
- MN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists VA loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2021 (per Florida records)
- States 18 years of experience (lender page, 2026-10-09)
- 22
Andy RiemenschneiderNMLS 409653
CrossCountry Mortgage · Stillwater, MN · licensed in 7 states
- VA loan
- Construction loan
- First-time buyer
- MN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists VA loan on lender page (lender page, verified 2026-10-09)
- Office in Stillwater, MN
- Licensed since 2018 (per Florida records)
- States 15 years of experience (lender page, 2026-10-09)
- 23
Patton GadeNMLS 1243024
CrossCountry Mortgage · Scottsdale, AZ · licensed in 41 states
- VA loan
- Renovation loan (203k / HomeStyle)
- First-time buyer
- MN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists VA loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2021 (per Colorado records)
- 24
Jay BunteNMLS 1957808
CrossCountry Mortgage · Fort Worth, TX · licensed in 46 states
- VA loan
- Jumbo loan
- MN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists VA loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2021 (per Colorado records)
- 25
Adam WorkmanNMLS 128183
CrossCountry Mortgage · Charlotte, NC · licensed in 42 states
- VA loan
- First-time buyer
- Real estate investor
- FHA loan
- MN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists VA loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2020 (per Florida records)
- States 20 years of experience (lender page, 2026-10-09)
Before you choose
Entitlement calculations, funding fee exemptions and VA appraisal rules reward a loan officer who closes VA loans often.
- How many VA loans have you closed in the last year?
- Can you check my remaining entitlement and funding fee status?
- How do you handle a low VA appraisal or the tidewater process?
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 (licensed since, per the regulator records we hold) 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=va&state=MN. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.