Borrower situations · Michigan
Loan officers for borrowers who qualify on assets in Michigan
As of 2026-10-09, LenDb lists 7 loan officers licensed in or based in Michigan whose lender pages show Asset-based qualifying work. The top-ranked are Iris Legaspi (First Citizens Bank, San Diego), Matthew S. Devadan, MBA (Atlantic Coast Mortgage, Westerville) and William Commons (Assurance Financial, Baton Rouge). Ranking is lender-neutral: specialty evidence first, then a license in MI, 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 7
- 1
Iris LegaspiNMLS 690505
First Citizens Bank · San Diego, CA · licensed in 35 states
- Asset-based qualifying
- Down payment assistance
- First-time buyer
- Jumbo loan
- Lists Asset-based qualifying on lender page (lender page, verified 2026-10-09)
- Licensed in MI (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
- 2
Matthew S. Devadan, MBANMLS 21639
Atlantic Coast Mortgage · Westerville, OH · licensed in 8 states
- Asset-based qualifying
- Real estate investor
- Self-employed
- 1099 income
- Lists Asset-based qualifying on lender page (lender page, verified 2026-10-09)
- Licensed in MI (listed on lender page, verified 2026-10-09)
- 2 years licensed
- No disciplinary actions on file at LenDb
- 3
William CommonsNMLS 79745
Assurance Financial · Baton Rouge, LA · licensed in 36 states
- Asset-based qualifying
- Bank statement loan
- DSCR loan
- Lists Asset-based qualifying on lender page (lender page, verified 2026-10-09)
- Licensed in MI (listed on lender page, verified 2026-10-09)
- 7 years licensed
- No disciplinary actions on file at LenDb
- 4
Denise McManusNMLS 1982222
Xpert Home Lending · licensed in 5 states
- Asset-based qualifying
- Non-QM loan
- Real estate investor
- Self-employed
- Lists Asset-based qualifying on lender page (lender page, verified 2026-10-09)
- Licensed in MI (listed on lender page, verified 2026-10-09)
- 3 years licensed
- No disciplinary actions on file at LenDb
- 5
Ravi K BansalNMLS 2840451
Loan Factory · Seattle, WA · licensed in 19 states
- Asset-based qualifying
- Real estate investor
- Bank statement loan
- Construction loan
- Lists Asset-based qualifying on lender page (lender page, verified 2026-10-09)
- Licensed in MI (listed on lender page, verified 2026-10-09)
- 0 years licensed
- No disciplinary actions on file at LenDb
- 6
Ram MishraNMLS 231417
Loan Factory · licensed in 6 states
- Asset-based qualifying
- Real estate investor
- Bank statement loan
- Construction loan
- Lists Asset-based qualifying on lender page (lender page, verified 2026-10-09)
- Licensed in MI (listed on lender page, verified 2026-10-09)
- No disciplinary actions on file at LenDb
- 7
Laurent OsheaNMLS 1034023
Loan Factory · licensed in 7 states
- Asset-based qualifying
- Lists Asset-based qualifying on lender page (lender page, verified 2026-10-09)
- Licensed in MI (listed on lender page, verified 2026-10-09)
- 0 years licensed
- No disciplinary actions on file at LenDb
Before you choose
Which accounts count, at what percentage, and over what term differs across lenders and programs.
- Which accounts count toward asset qualifying, and at what percentage?
- How do you calculate monthly income from my assets?
- Is this an agency or a non-QM program?
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 MI 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=asset-based&state=MI. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.