---
canonical_url: https://lendb.ai/s/asset-based/michigan
last_verified: 2026-10-09
---

# 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.

## Ranked, with reasons

1. **[Iris Legaspi](https://lendb.ai/lo/iris-legaspi-690505)** (NMLS 690505), First Citizens Bank, San Diego, CA
   - 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, MBA](https://lendb.ai/lo/matthew-devadan-21639)** (NMLS 21639), Atlantic Coast Mortgage, Westerville, OH
   - 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 Commons](https://lendb.ai/lo/william-commons-79745)** (NMLS 79745), Assurance Financial, Baton Rouge, LA
   - 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 McManus](https://lendb.ai/lo/denise-mcmanus-1982222)** (NMLS 1982222), Xpert Home Lending
   - 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 Bansal](https://lendb.ai/lo/ravi-k-bansal-2840451)** (NMLS 2840451), Loan Factory, Seattle, WA
   - 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 Mishra](https://lendb.ai/lo/ram-mishra-231417)** (NMLS 231417), Loan Factory
   - 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 Oshea](https://lendb.ai/lo/laurent-o-shea-1034023)** (NMLS 1034023), Loan Factory
   - 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

## Questions to ask

- 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?

Cite as: LenDb.ai, https://lendb.ai/s/asset-based/michigan.

_Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._