{ "canonical_url": "https://lendb.ai/s/down-payment-assistance/michigan", "summary": "As of 2026-10-09, LenDb lists 55 loan officers licensed in or based in Michigan whose lender pages show Down payment assistance work. The top-ranked are Terryl D Lewis (JPMorgan Chase Bank (Chase Home Lending), Detroit), Teresa Becker (CrossCountry Mortgage, Plymouth) and Jon Novetske (CrossCountry Mortgage, Ann Arbor). Ranking is lender-neutral: specialty evidence first, then a license in MI, branch location, experience and profile completeness. Nobody pays for placement.", "specialty": "down-payment-assistance", "state": "MI", "total": 55, "last_verified": "2026-10-09", "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", "type": "bank" }, "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" } ], "years_licensed": null, "licensed_since": null, "years_experience": 15, "lender_profile_url": "https://homelendingadvisor.chase.com/mi/detroit/611-woodward-ave-hla-2007065", "disciplinary_check": "not_checked" }, "reasons": [ "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 }, "match_status": "exact", "matched_specialties": [ "down-payment-assistance" ], "unconfirmed_specialties": [] }, { "rank": 2, "score": 54.8, "loan_officer": { "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" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": 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/" }, "match_status": "exact", "matched_specialties": [ "down-payment-assistance" ], "unconfirmed_specialties": [] }, { "rank": 3, "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, "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/" }, "match_status": "exact", "matched_specialties": [ "down-payment-assistance" ], "unconfirmed_specialties": [] }, { "rank": 4, "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" } ], "years_licensed": 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/" }, "match_status": "exact", "matched_specialties": [ "down-payment-assistance" ], "unconfirmed_specialties": [] }, { "rank": 5, "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" } ], "years_licensed": 1, "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" }, "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)", "Licensed since 2025 (per Florida records)" ], "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/" }, "match_status": "exact", "matched_specialties": [ "down-payment-assistance" ], "unconfirmed_specialties": [] }, { "rank": 6, "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" } ], "years_licensed": 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" ], "unconfirmed_specialties": [] }, { "rank": 7, "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, "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": [] }, { "rank": 8, "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" }, { "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": "lender_reported" }, { "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" }, { "slug": "self-employed", "evidence": "lender_page_text" }, { "slug": "condo", "evidence": "lender_page_text" }, { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "reverse", "evidence": "lender_page_text" }, { "slug": "usda", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "years_licensed": 10, "licensed_since": { "year": 2016, "state": "CO" }, "years_experience": null, "lender_profile_url": "https://www.apmortgage.com/lenae-vandegrift", "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)", "Licensed since 2016 (per Colorado records)" ], "canonical_url": "https://lendb.ai/lo/lenae-vandegrift-649456", "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.apmortgage.com/lenae-vandegrift" }, "match_status": "exact", "matched_specialties": [ "down-payment-assistance" ], "unconfirmed_specialties": [] }, { "rank": 9, "score": 52, "loan_officer": { "nmls_id": 1896451, "slug": "clarissa-lora-1896451", "full_name": "Clarissa Lora", "canonical_url": "https://lendb.ai/lo/clarissa-lora-1896451", "json_url": "https://lendb.ai/lo/clarissa-lora-1896451.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Mishawaka", "state": "IN" }, "licensed_states": [ "IN", "MI" ], "licenses": [ { "state": "IN", "confidence": "lender_reported" }, { "state": "MI", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [ "en", "es" ], "specialties": [ { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" } ], "years_licensed": 4, "licensed_since": { "year": 2022, "state": "FL" }, "years_experience": null, "lender_profile_url": "https://crosscountrymortgage.com/mishawaka-in-4321/clarissa-lora/", "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)", "Licensed since 2022 (per Florida records)" ], "canonical_url": "https://lendb.ai/lo/clarissa-lora-1896451", "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/mishawaka-in-4321/clarissa-lora/" }, "match_status": "exact", "matched_specialties": [ "down-payment-assistance" ], "unconfirmed_specialties": [] }, { "rank": 10, "score": 51.8, "loan_officer": { "nmls_id": 204443, "slug": "ronald-haddad-204443", "full_name": "Ron Haddad", "canonical_url": "https://lendb.ai/lo/ronald-haddad-204443", "json_url": "https://lendb.ai/lo/ronald-haddad-204443.json", "lender": { "nmls_id": 2229, "name": "Union Home Mortgage", "canonical_url": "https://lendb.ai/lender/union-home-mortgage-2229", "type": "imb" }, "branch": { "city": "Arlington Heights", "state": "IL" }, "licensed_states": [ "FL", "AZ", "IL", "IN", "MI", "NC", "VA", "WI" ], "licenses": [ { "state": "AZ", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "IL", "confidence": "lender_reported" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "MI", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" }, { "state": "WI", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "vacation-home", "evidence": "lender_page_text" } ], "years_licensed": 4, "licensed_since": { "year": 2022, "state": "FL" }, "years_experience": 20, "lender_profile_url": "https://www.uhm.com/loan-officers/ron-haddad/", "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)", "Licensed since 2022 (per Florida records)", "States 20 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/ronald-haddad-204443", "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.uhm.com/loan-officers/ron-haddad/" }, "match_status": "exact", "matched_specialties": [ "down-payment-assistance" ], "unconfirmed_specialties": [] }, { "rank": 11, "score": 51.8, "loan_officer": { "nmls_id": 223618, "slug": "joanne-rogers-223618", "full_name": "Joanne Rogers", "canonical_url": "https://lendb.ai/lo/joanne-rogers-223618", "json_url": "https://lendb.ai/lo/joanne-rogers-223618.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Deerfield", "state": "IL" }, "licensed_states": [ "FL", "IL", "IN", "ME", "MI", "NY", "OR", "SC", "TX", "WA", "WI" ], "licenses": [ { "state": "FL", "confidence": "confirmed" }, { "state": "IL", "confidence": "lender_reported" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "ME", "confidence": "lender_reported" }, { "state": "MI", "confidence": "lender_reported" }, { "state": "NY", "confidence": "lender_reported" }, { "state": "OR", "confidence": "lender_reported" }, { "state": "SC", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" }, { "state": "WI", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": 6, "licensed_since": { "year": 2020, "state": "FL" }, "years_experience": 23, "lender_profile_url": "https://crosscountrymortgage.com/deerfield-il-3073/joanne-rogers/", "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; 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verify at NMLS)", "Licensed since 2024 (per Florida records)" ], "canonical_url": "https://lendb.ai/lo/david-bailey-369541", "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.loanfactory.com/mortgage-expert/david-k-bailey-369541" }, "match_status": "exact", "matched_specialties": [ "down-payment-assistance" ], "unconfirmed_specialties": [] }, { "rank": 23, "score": 49.3, "loan_officer": { "nmls_id": 563900, "slug": "corin-vandenberg-563900", "full_name": "Corey Vandenberg", "canonical_url": "https://lendb.ai/lo/corin-vandenberg-563900", "json_url": "https://lendb.ai/lo/corin-vandenberg-563900.json", "lender": { "nmls_id": 130562, "name": "Success Mortgage Partners", "canonical_url": "https://lendb.ai/lender/success-mortgage-partners-130562", "type": "imb" }, "branch": { "city": "Grand Rapids", "state": "MI" }, "licensed_states": [ "FL", "CA", "GA", "IL", "IN", "KS", "KY", "MI", "OH", "TX" ], "licenses": [ { "state": "CA", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "IL", "confidence": "lender_reported" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "KS", "confidence": "lender_reported" }, { "state": "KY", "confidence": "lender_reported" }, { "state": "MI", "confidence": "lender_reported" }, { "state": "OH", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "down-payment-assistance", "evidence": "lender_page_text" } ], "years_licensed": 9, "licensed_since": { "year": 2017, "state": "FL" }, "years_experience": null, "lender_profile_url": "https://www.successmortgagepartners.com/advisor/corey-vandenberg/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Down payment assistance on lender page (lender page, verified 2026-10-09)", "Office in Grand Rapids, MI", "MI listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2017 (per Florida records)" ], "canonical_url": "https://lendb.ai/lo/corin-vandenberg-563900", "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.successmortgagepartners.com/advisor/corey-vandenberg/" }, "match_status": "exact", "matched_specialties": [ "down-payment-assistance" ], "unconfirmed_specialties": [] }, { "rank": 24, "score": 49.3, "loan_officer": { "nmls_id": 783177, "slug": "michael-silkworth-783177", "full_name": "Michael Silkworth", "canonical_url": "https://lendb.ai/lo/michael-silkworth-783177", "json_url": "https://lendb.ai/lo/michael-silkworth-783177.json", "lender": { "nmls_id": 2229, "name": "Union Home Mortgage", "canonical_url": "https://lendb.ai/lender/union-home-mortgage-2229", "type": "imb" }, "branch": { "city": "East Lansing", "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": "fha", "evidence": "lender_page_text" }, { "slug": "usda", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": 9, "lender_profile_url": "https://www.uhm.com/loan-officers/msilkworth/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Down payment assistance on lender page (lender page, verified 2026-10-09)", "Office in East Lansing, MI", "MI listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "States 9 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/michael-silkworth-783177", "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.uhm.com/loan-officers/msilkworth/" }, "match_status": "exact", "matched_specialties": [ "down-payment-assistance" ], "unconfirmed_specialties": [] }, { "rank": 25, "score": 48.8, "loan_officer": { "nmls_id": 164035, "slug": "mark-bynum-164035", "full_name": "Mark Bynum", "canonical_url": "https://lendb.ai/lo/mark-bynum-164035", "json_url": "https://lendb.ai/lo/mark-bynum-164035.json", "lender": { "nmls_id": 2229, "name": "Union Home Mortgage", "canonical_url": "https://lendb.ai/lender/union-home-mortgage-2229", "type": "imb" }, "branch": { "city": "Port Huron", "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": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": null, "lender_profile_url": "https://www.uhm.com/loan-officers/mark-bynum/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Down payment assistance on lender page (lender page, verified 2026-10-09)", "Office in Port Huron, MI", "MI listed on their lender page (not yet checked with the state regulator; verify at NMLS)" ], "canonical_url": "https://lendb.ai/lo/mark-bynum-164035", "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.uhm.com/loan-officers/mark-bynum/" }, "match_status": "exact", "matched_specialties": [ "down-payment-assistance" ], "unconfirmed_specialties": [] } ] }