{
  "canonical_url": "https://lendb.ai/api/v1/loan-officers?specialty=down-payment-assistance&state=MI",
  "filters": {
    "specialty": [
      "down-payment-assistance"
    ],
    "state": "MI",
    "limit": 10
  },
  "count": 10,
  "results": [
    {
      "rank": 1,
      "score": 56,
      "loan_officer": {
        "nmls_id": 2007065,
        "slug": "terryl-d-lewis-2007065",
        "full_name": "Terryl D Lewis",
        "canonical_url": "https://lendb.ai/lo/terryl-d-lewis-2007065",
        "json_url": "https://lendb.ai/lo/terryl-d-lewis-2007065.json",
        "lender": {
          "nmls_id": 399798,
          "name": "JPMorgan Chase Bank (Chase Home Lending)",
          "canonical_url": "https://lendb.ai/lender/chase-399798",
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        },
        "branch": {
          "city": "Detroit",
          "state": "MI"
        },
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [],
        "specialties": [
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
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        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": 15,
        "lender_profile_url": "https://homelendingadvisor.chase.com/mi/detroit/611-woodward-ave-hla-2007065",
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        "Lists Down payment assistance on lender page (lender page, verified 2026-10-09)",
        "Office in Detroit, MI",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "States 15 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/terryl-d-lewis-2007065",
      "license_check": {
        "state": "MI",
        "confidence": "federal_registration",
        "eligible": true,
        "label": "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "verified_at": "2026-10-09",
        "source_url": null
      },
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      "matched_specialties": [
        "down-payment-assistance"
      ],
      "unconfirmed_specialties": []
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      "rank": 2,
      "score": 54.8,
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        "nmls_id": 135991,
        "slug": "teresa-becker-135991",
        "full_name": "Teresa Becker",
        "canonical_url": "https://lendb.ai/lo/teresa-becker-135991",
        "json_url": "https://lendb.ai/lo/teresa-becker-135991.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Plymouth",
          "state": "MI"
        },
        "licensed_states": [
          "IL",
          "MI"
        ],
        "licenses": [
          {
            "state": "IL",
            "confidence": "lender_reported"
          },
          {
            "state": "MI",
            "confidence": "lender_reported"
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        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
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        ],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": 40,
        "lender_profile_url": "https://crosscountrymortgage.com/plymouth-mi-2306/teresa-becker/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Down payment assistance on lender page (lender page, verified 2026-10-09)",
        "Office in Plymouth, MI",
        "MI listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "States 40 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/teresa-becker-135991",
      "license_check": {
        "state": "MI",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "MI listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://crosscountrymortgage.com/plymouth-mi-2306/teresa-becker/"
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      "match_status": "exact",
      "matched_specialties": [
        "down-payment-assistance"
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      "unconfirmed_specialties": []
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      "rank": 3,
      "score": 54.3,
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        "slug": "harry-richter-iii-46372",
        "full_name": "Rick Richter",
        "canonical_url": "https://lendb.ai/lo/harry-richter-iii-46372",
        "json_url": "https://lendb.ai/lo/harry-richter-iii-46372.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Ann Arbor",
          "state": "MI"
        },
        "licensed_states": [
          "FL",
          "CA",
          "MI",
          "OR",
          "TX",
          "WA"
        ],
        "licenses": [
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "MI",
            "confidence": "lender_reported"
          },
          {
            "state": "OR",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2007-10-24",
          "state": "TX"
        },
        "licensed_since": {
          "year": 2007,
          "state": "TX"
        },
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/ann-arbor-mi-2315/harry-richter/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Down payment assistance on lender page (lender page, verified 2026-10-09)",
        "Office in Ann Arbor, MI",
        "MI listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: October 24, 2007 (Texas), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/harry-richter-iii-46372",
      "license_check": {
        "state": "MI",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "MI listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://crosscountrymortgage.com/ann-arbor-mi-2315/harry-richter/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "down-payment-assistance"
      ],
      "unconfirmed_specialties": []
    },
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      "rank": 4,
      "score": 53.8,
      "loan_officer": {
        "nmls_id": 580793,
        "slug": "jon-novetske-580793",
        "full_name": "Jon Novetske",
        "canonical_url": "https://lendb.ai/lo/jon-novetske-580793",
        "json_url": "https://lendb.ai/lo/jon-novetske-580793.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Ann Arbor",
          "state": "MI"
        },
        "licensed_states": [
          "IL",
          "MI"
        ],
        "licenses": [
          {
            "state": "IL",
            "confidence": "lender_reported"
          },
          {
            "state": "MI",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": 18,
        "lender_profile_url": "https://crosscountrymortgage.com/ann-arbor-mi-2315/jonathan-novetske/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Down payment assistance on lender page (lender page, verified 2026-10-09)",
        "Office in Ann Arbor, MI",
        "MI listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "States 18 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/jon-novetske-580793",
      "license_check": {
        "state": "MI",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "MI listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://crosscountrymortgage.com/ann-arbor-mi-2315/jonathan-novetske/"
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      "match_status": "exact",
      "matched_specialties": [
        "down-payment-assistance"
      ],
      "unconfirmed_specialties": []
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    {
      "rank": 5,
      "score": 53.3,
      "loan_officer": {
        "nmls_id": 178289,
        "slug": "traci-anderson-178289",
        "full_name": "Traci Anderson",
        "canonical_url": "https://lendb.ai/lo/traci-anderson-178289",
        "json_url": "https://lendb.ai/lo/traci-anderson-178289.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Plymouth",
          "state": "MI"
        },
        "licensed_states": [
          "MI"
        ],
        "licenses": [
          {
            "state": "MI",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
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        ],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": 17,
        "lender_profile_url": "https://crosscountrymortgage.com/plymouth-mi-2306/traci-anderson/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Down payment assistance on lender page (lender page, verified 2026-10-09)",
        "Office in Plymouth, MI",
        "MI listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "States 17 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/traci-anderson-178289",
      "license_check": {
        "state": "MI",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "MI listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://crosscountrymortgage.com/plymouth-mi-2306/traci-anderson/"
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      "match_status": "exact",
      "matched_specialties": [
        "down-payment-assistance"
      ],
      "unconfirmed_specialties": []
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      "rank": 6,
      "score": 53.3,
      "loan_officer": {
        "nmls_id": 1399263,
        "slug": "jameson-derringer-1399263",
        "full_name": "Jamie Derringer",
        "canonical_url": "https://lendb.ai/lo/jameson-derringer-1399263",
        "json_url": "https://lendb.ai/lo/jameson-derringer-1399263.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Ann Arbor",
          "state": "MI"
        },
        "licensed_states": [
          "FL",
          "AZ",
          "MI"
        ],
        "licenses": [
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "MI",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
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        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2025-04-28",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2025,
          "state": "FL"
        },
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/ann-arbor-mi-2315/jameson-derringer/",
        "disciplinary_check": "not_checked"
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      "reasons": [
        "Lists Down payment assistance on lender page (lender page, verified 2026-10-09)",
        "Office in Ann Arbor, MI",
        "MI listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: April 28, 2025 (Florida), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/jameson-derringer-1399263",
      "license_check": {
        "state": "MI",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "MI listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://crosscountrymortgage.com/ann-arbor-mi-2315/jameson-derringer/"
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      "match_status": "exact",
      "matched_specialties": [
        "down-payment-assistance"
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      "unconfirmed_specialties": []
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    {
      "rank": 7,
      "score": 52.8,
      "loan_officer": {
        "nmls_id": 850828,
        "slug": "chris-dennison-850828",
        "full_name": "Chris Dennison",
        "canonical_url": "https://lendb.ai/lo/chris-dennison-850828",
        "json_url": "https://lendb.ai/lo/chris-dennison-850828.json",
        "lender": {
          "nmls_id": 1591,
          "name": "Churchill Mortgage",
          "canonical_url": "https://lendb.ai/lender/churchill-mortgage-1591",
          "type": "imb"
        },
        "branch": {
          "city": "Wyoming",
          "state": "MI"
        },
        "licensed_states": [
          "MI",
          "SC",
          "VA"
        ],
        "licenses": [
          {
            "state": "MI",
            "confidence": "lender_reported"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
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        ],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": null,
        "lender_profile_url": "https://www.churchillmortgage.com/loan-officers/chris-dennison",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Down payment assistance on lender page (lender page, verified 2026-10-09)",
        "Office in Wyoming, MI",
        "MI listed on their lender page (not yet checked with the state regulator; verify at NMLS)"
      ],
      "canonical_url": "https://lendb.ai/lo/chris-dennison-850828",
      "license_check": {
        "state": "MI",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "MI listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://www.churchillmortgage.com/loan-officers/chris-dennison"
      },
      "match_status": "exact",
      "matched_specialties": [
        "down-payment-assistance"
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      "unconfirmed_specialties": []
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    {
      "rank": 8,
      "score": 52.3,
      "loan_officer": {
        "nmls_id": 1685151,
        "slug": "jillian-brotan-1685151",
        "full_name": "Jillian Brotan",
        "canonical_url": "https://lendb.ai/lo/jillian-brotan-1685151",
        "json_url": "https://lendb.ai/lo/jillian-brotan-1685151.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
        },
        "branch": {
          "city": "Merrillville",
          "state": "IN"
        },
        "licensed_states": [
          "IN",
          "MI",
          "IL"
        ],
        "licenses": [
          {
            "state": "IL",
            "confidence": "lender_reported"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "MI",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": 5,
        "lender_profile_url": "https://branches.guildmortgage.com/in/merrillville/jillian-brotan-877-hpjib.html",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Down payment assistance on lender page (lender page, verified 2026-10-09)",
        "MI listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "States 5 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/jillian-brotan-1685151",
      "license_check": {
        "state": "MI",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "MI listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://branches.guildmortgage.com/in/merrillville/jillian-brotan-877-hpjib.html"
      },
      "match_status": "exact",
      "matched_specialties": [
        "down-payment-assistance"
      ],
      "unconfirmed_specialties": []
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    {
      "rank": 9,
      "score": 52,
      "loan_officer": {
        "nmls_id": 649456,
        "slug": "lenae-vandegrift-649456",
        "full_name": "Lenae Vandegrift",
        "canonical_url": "https://lendb.ai/lo/lenae-vandegrift-649456",
        "json_url": "https://lendb.ai/lo/lenae-vandegrift-649456.json",
        "lender": {
          "nmls_id": 1850,
          "name": "American Pacific Mortgage",
          "canonical_url": "https://lendb.ai/lender/american-pacific-mortgage-1850",
          "type": "imb"
        },
        "branch": {
          "city": "Thornton",
          "state": "CO"
        },
        "licensed_states": [
          "FL",
          "CO",
          "CA",
          "MI",
          "NM",
          "OK",
          "SC",
          "TX",
          "WI",
          "WY"
        ],
        "licenses": [
          {
            "state": "CA",
            "confidence": "lender_reported"
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          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "MI",
            "confidence": "lender_reported"
          },
          {
            "state": "NM",
            "confidence": "lender_reported"
          },
          {
            "state": "OK",
            "confidence": "lender_reported"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          },
          {
            "state": "WI",
            "confidence": "lender_reported"
          },
          {
            "state": "WY",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
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          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "condo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
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          {
            "slug": "fha",
            "evidence": "lender_page_text"
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          {
            "slug": "jumbo",
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            "evidence": "lender_page_text"
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      ],
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      "score": 52,
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        "full_name": "Clarissa Lora",
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        "json_url": "https://lendb.ai/lo/clarissa-lora-1896451.json",
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          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
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}