{
  "canonical_url": "https://lendb.ai/lang/ar/michigan",
  "summary": "As of 2026-10-26, LenDb lists 6 loan officers licensed in or based in Michigan whose lender pages say they speak Arabic. The top-ranked are Kal Ramadan (JPMorgan Chase Bank (Chase Home Lending), Canton), Al Baalbaki (The Mortgage Link, Inc., Dearborn) and Samantha Haddad (JPMorgan Chase Bank (Chase Home Lending), Ypsilanti). Ranking is lender-neutral: a license in MI, branch location, experience and profile completeness. Nobody pays for placement. Languages come only from loan officers' own lender pages, and most lender pages do not list languages. A loan officer missing from this list may still speak it: not listed means not stated, not that they do not speak it.",
  "language": "ar",
  "state": "MI",
  "total": 6,
  "last_verified": "2026-10-26",
  "results": [
    {
      "rank": 1,
      "score": 41,
      "loan_officer": {
        "nmls_id": 377291,
        "slug": "kal-ramadan-377291",
        "full_name": "Kal Ramadan",
        "canonical_url": "https://lendb.ai/lo/kal-ramadan-377291",
        "json_url": "https://lendb.ai/lo/kal-ramadan-377291.json",
        "lender": {
          "nmls_id": 399798,
          "name": "JPMorgan Chase Bank (Chase Home Lending)",
          "slug": "chase-399798",
          "canonical_url": "https://lendb.ai/lender/chase-399798",
          "type": "bank"
        },
        "branch": {
          "city": "Canton",
          "state": "MI"
        },
        "headshot_url": "http://a.mktgcdn.com/p/uP59PAanQIQCQR0U6S-w97OW0jVMjVbkSz4j0sK3Utk/854x1280.jpg",
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [
          "ar"
        ],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": 24,
        "lender_profile_url": "https://homelendingadvisor.chase.com/mi/canton/45345-ford-rd-hla-377291",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Arabic (lender page, verified 2026-10-19)",
        "Office in Canton, MI",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "States 24 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/kal-ramadan-377291",
      "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": "2026-10-19",
        "source_url": null
      }
    },
    {
      "rank": 2,
      "score": 39.5,
      "loan_officer": {
        "nmls_id": 1387484,
        "slug": "al-baalbaki-1387484",
        "full_name": "Al Baalbaki",
        "canonical_url": "https://lendb.ai/lo/al-baalbaki-1387484",
        "json_url": "https://lendb.ai/lo/al-baalbaki-1387484.json",
        "lender": {
          "nmls_id": 113054,
          "name": "The Mortgage Link, Inc.",
          "slug": "the-mortgage-link-inc-113054",
          "canonical_url": "https://lendb.ai/lender/the-mortgage-link-inc-113054",
          "type": "imb"
        },
        "branch": {
          "city": "Dearborn",
          "state": "MI"
        },
        "headshot_url": "https://39552115.fs1.hubspotusercontent-na1.net/hubfs/39552115/Loan%20Officer%20Headshots/Al%20Baalbaki.png",
        "licensed_states": [
          "MI"
        ],
        "licenses": [
          {
            "state": "MI",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "ar"
        ],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2015-09-30",
          "state": "WI"
        },
        "licensed_since": {
          "year": 2015,
          "state": "WI"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.themortgagelink.com/loan-officer/al-baalbaki",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Arabic (lender page, verified 2026-10-15)",
        "Office in Dearborn, MI",
        "MI listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: September 30, 2015 (Wisconsin), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/al-baalbaki-1387484",
      "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": "2026-10-15",
        "source_url": "https://www.themortgagelink.com/loan-officer/al-baalbaki"
      }
    },
    {
      "rank": 3,
      "score": 37,
      "loan_officer": {
        "nmls_id": 1639185,
        "slug": "samantha-haddad-1639185",
        "full_name": "Samantha Haddad",
        "canonical_url": "https://lendb.ai/lo/samantha-haddad-1639185",
        "json_url": "https://lendb.ai/lo/samantha-haddad-1639185.json",
        "lender": {
          "nmls_id": 399798,
          "name": "JPMorgan Chase Bank (Chase Home Lending)",
          "slug": "chase-399798",
          "canonical_url": "https://lendb.ai/lender/chase-399798",
          "type": "bank"
        },
        "branch": {
          "city": "Ypsilanti",
          "state": "MI"
        },
        "headshot_url": "http://a.mktgcdn.com/p/nPvxgYI-KhfjjHjImocC_VdljTChLmw3HNhNfbIWEmk/447x670.jpg",
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [
          "ar"
        ],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2017-08-10",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2017,
          "state": "FL"
        },
        "years_experience": 12,
        "lender_profile_url": "https://homelendingadvisor.chase.com/mi/ypsilanti/4101-e-ellsworth-rd-hla-1639185",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Arabic (lender page, verified 2026-10-26)",
        "Office in Ypsilanti, MI",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "Earliest state license record: August 10, 2017 (Florida), per state regulator",
        "States 12 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/samantha-haddad-1639185",
      "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": "2026-10-26",
        "source_url": null
      }
    },
    {
      "rank": 4,
      "score": 34.5,
      "loan_officer": {
        "nmls_id": 1611782,
        "slug": "ibrahim-ezzat-1611782",
        "full_name": "Ibrahim Ezzat",
        "canonical_url": "https://lendb.ai/lo/ibrahim-ezzat-1611782",
        "json_url": "https://lendb.ai/lo/ibrahim-ezzat-1611782.json",
        "lender": {
          "nmls_id": 399802,
          "name": "Bank of America",
          "slug": "bank-of-america-399802",
          "canonical_url": "https://lendb.ai/lender/bank-of-america-399802",
          "type": "bank"
        },
        "branch": {
          "city": "Dearborn",
          "state": "MI"
        },
        "headshot_url": "https://images.em.bankofamerica.com/AMP/EF057440-FABE-4736-AD69-1485DEC9004A.png",
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [
          "ar"
        ],
        "specialties": [],
        "lender_offers": [
          "down-payment-assistance",
          "fha",
          "first-time-buyer",
          "heloc",
          "jumbo",
          "physician",
          "va"
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2017-10-17",
          "state": "WI"
        },
        "licensed_since": {
          "year": 2017,
          "state": "WI"
        },
        "years_experience": 9,
        "lender_profile_url": "https://mortgage.bankofamerica.com/ibrahim-ezzat",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Arabic (lender page, verified 2026-10-19)",
        "Office in Dearborn, MI",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "Earliest state license record: October 17, 2017 (Wisconsin), per state regulator",
        "States 9 years of experience (lender page, 2026-10-19)"
      ],
      "canonical_url": "https://lendb.ai/lo/ibrahim-ezzat-1611782",
      "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": "2026-10-19",
        "source_url": null
      }
    },
    {
      "rank": 5,
      "score": 33,
      "loan_officer": {
        "nmls_id": 1970453,
        "slug": "abbas-idris-1970453",
        "full_name": "Abbas Idris",
        "canonical_url": "https://lendb.ai/lo/abbas-idris-1970453",
        "json_url": "https://lendb.ai/lo/abbas-idris-1970453.json",
        "lender": {
          "nmls_id": 399802,
          "name": "Bank of America",
          "slug": "bank-of-america-399802",
          "canonical_url": "https://lendb.ai/lender/bank-of-america-399802",
          "type": "bank"
        },
        "branch": {
          "city": "Dearborn",
          "state": "MI"
        },
        "headshot_url": "https://images.em.bankofamerica.com/AMP/B7CE5A1A-AED1-4B52-8B25-D5334A9BC771.jpg",
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [
          "ar"
        ],
        "specialties": [],
        "lender_offers": [
          "down-payment-assistance",
          "fha",
          "first-time-buyer",
          "heloc",
          "jumbo",
          "physician",
          "va"
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2020-09-24",
          "state": "IA"
        },
        "licensed_since": {
          "year": 2020,
          "state": "IA"
        },
        "years_experience": null,
        "lender_profile_url": "https://mortgage.bankofamerica.com/abbas-idris",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Arabic (lender page, verified 2026-10-19)",
        "Office in Dearborn, MI",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "Earliest state license record: September 24, 2020 (Iowa), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/abbas-idris-1970453",
      "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": "2026-10-19",
        "source_url": null
      }
    },
    {
      "rank": 6,
      "score": 31.8,
      "loan_officer": {
        "nmls_id": 2142742,
        "slug": "nabil-blaik-2142742",
        "full_name": "Nabil Blaik",
        "canonical_url": "https://lendb.ai/lo/nabil-blaik-2142742",
        "json_url": "https://lendb.ai/lo/nabil-blaik-2142742.json",
        "lender": {
          "nmls_id": 399798,
          "name": "JPMorgan Chase Bank (Chase Home Lending)",
          "slug": "chase-399798",
          "canonical_url": "https://lendb.ai/lender/chase-399798",
          "type": "bank"
        },
        "branch": {
          "city": "Dearborn",
          "state": "MI"
        },
        "headshot_url": null,
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [
          "ar"
        ],
        "specialties": [
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": 3,
        "lender_profile_url": "https://homelendingadvisor.chase.com/mi/dearborn/14901-ford-rd-hla-2142742",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Arabic (lender page, verified 2026-10-26)",
        "Office in Dearborn, MI",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "States 3 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/nabil-blaik-2142742",
      "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": "2026-10-26",
        "source_url": null
      }
    }
  ]
}