{ "canonical_url": "https://lendb.ai/s/down-payment-assistance/wisconsin", "summary": "As of 2026-10-09, LenDb lists 42 loan officers licensed in or based in Wisconsin whose lender pages show Down payment assistance work. The top-ranked are John Higdon (Guild Mortgage, Waterloo), Nessah Jones (JPMorgan Chase Bank (Chase Home Lending), Milwaukee) and Kristi Piatz (Guild Mortgage, Edina). Ranking is lender-neutral: specialty evidence first, then a license in WI, branch location, experience and profile completeness. Nobody pays for placement.", "specialty": "down-payment-assistance", "state": "WI", "total": 42, "last_verified": "2026-10-09", "results": [ { "rank": 1, "score": 56.8, "loan_officer": { "nmls_id": 929683, "slug": "john-higdon-929683", "full_name": "John Higdon", "canonical_url": "https://lendb.ai/lo/john-higdon-929683", "json_url": "https://lendb.ai/lo/john-higdon-929683.json", "lender": { "nmls_id": 3274, "name": "Guild Mortgage", "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274", "type": "imb" }, "branch": { "city": "Waterloo", "state": "IA" }, "licensed_states": [ "FL", "GA", "IA", "IL", "KS", "MO", "NE", "WI" ], "licenses": [ { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "IA", "confidence": "lender_reported" }, { "state": "IL", "confidence": "lender_reported" }, { "state": "KS", "confidence": "lender_reported" }, { "state": "MO", "confidence": "lender_reported" }, { "state": "NE", "confidence": "lender_reported" }, { "state": "WI", "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": "renovation", "evidence": "lender_page_text" } ], "years_licensed": 7, "licensed_since": { "year": 2019, "state": "FL" }, "years_experience": 14, "lender_profile_url": "https://branches.guildmortgage.com/ia/waterloo/john-higdon-45-umjhi.html", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Down payment assistance on lender page (lender page, verified 2026-10-09)", "WI listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2019 (per Florida records)", "States 14 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/john-higdon-929683", "license_check": { "state": "WI", "confidence": "lender_reported", "eligible": true, "label": "WI 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/ia/waterloo/john-higdon-45-umjhi.html" }, "match_status": "exact", "matched_specialties": [ "down-payment-assistance" ], "unconfirmed_specialties": [] }, { "rank": 2, "score": 53.5, "loan_officer": { "nmls_id": 1846512, "slug": "nessah-jones-1846512", "full_name": "Nessah Jones", "canonical_url": "https://lendb.ai/lo/nessah-jones-1846512", "json_url": "https://lendb.ai/lo/nessah-jones-1846512.json", "lender": { "nmls_id": 399798, "name": "JPMorgan Chase Bank (Chase Home Lending)", "canonical_url": "https://lendb.ai/lender/chase-399798", "type": "bank" }, "branch": { "city": "Milwaukee", "state": "WI" }, "licensed_states": [], "licenses": [], "federal_registration_likely": true, "languages": [], "specialties": [ { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "self-employed", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": 10, "lender_profile_url": "https://homelendingadvisor.chase.com/wi/milwaukee/142-e-capitol-dr-hla-1846512", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Down payment assistance on lender page (lender page, verified 2026-10-09)", "Office in Milwaukee, WI", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "States 10 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/nessah-jones-1846512", "license_check": { "state": "WI", "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": 3, "score": 52.3, "loan_officer": { "nmls_id": 452537, "slug": "kristin-piatz-452537", "full_name": "Kristi Piatz", "canonical_url": "https://lendb.ai/lo/kristin-piatz-452537", "json_url": "https://lendb.ai/lo/kristin-piatz-452537.json", "lender": { "nmls_id": 3274, "name": "Guild Mortgage", "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274", "type": "imb" }, "branch": { "city": "Edina", "state": "MN" }, "licensed_states": [ "FL", "AZ", "MN", "WI" ], "licenses": [ { "state": "AZ", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "MN", "confidence": "lender_reported" }, { "state": "WI", "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": "investor", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "physician", "evidence": "lender_page_text" } ], "years_licensed": 5, "licensed_since": { "year": 2021, "state": "FL" }, "years_experience": null, "lender_profile_url": "https://branches.guildmortgage.com/mn/edina/kristi-piatz-686-umkp.html", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Down payment assistance on lender page (lender page, verified 2026-10-09)", "WI listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2021 (per Florida records)" ], "canonical_url": "https://lendb.ai/lo/kristin-piatz-452537", "license_check": { "state": "WI", "confidence": "lender_reported", "eligible": true, "label": "WI 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/mn/edina/kristi-piatz-686-umkp.html" }, "match_status": "exact", "matched_specialties": [ "down-payment-assistance" ], "unconfirmed_specialties": [] }, { "rank": 4, "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)", "WI 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": "WI", "confidence": "lender_reported", "eligible": true, "label": "WI 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": 5, "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)", "WI 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": "WI", "confidence": "lender_reported", "eligible": true, "label": "WI 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": 6, "score": 51.8, "loan_officer": { "nmls_id": 212085, "slug": "brian-sewell-212085", "full_name": "Brian Sewell", "canonical_url": "https://lendb.ai/lo/brian-sewell-212085", "json_url": "https://lendb.ai/lo/brian-sewell-212085.json", "lender": { "nmls_id": 3274, "name": "Guild Mortgage", "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274", "type": "imb" }, "branch": { "city": "Frankfort", "state": "IL" }, "licensed_states": [ "FL", "GA", "IL", "IN", "TX", "WI" ], "licenses": [ { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "IL", "confidence": "lender_reported" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" }, { "state": "WI", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "physician", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "self-employed", "evidence": "lender_page_text" }, { "slug": "1099-income", "evidence": "lender_page_text" }, { "slug": "asset-based", "evidence": "lender_page_text" }, { "slug": "bank-statement", "evidence": "lender_page_text" }, { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "dscr", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "new-construction", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "years_licensed": 4, "licensed_since": { "year": 2022, "state": "FL" }, "years_experience": 20, "lender_profile_url": "https://branches.guildmortgage.com/il/frankfort/brian-sewell-914-chbse.html", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Down payment assistance on lender page (lender page, verified 2026-10-09)", "WI 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/brian-sewell-212085", "license_check": { "state": "WI", "confidence": "lender_reported", "eligible": true, "label": "WI 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/il/frankfort/brian-sewell-914-chbse.html" }, "match_status": "exact", "matched_specialties": [ "down-payment-assistance" ], "unconfirmed_specialties": [] }, { "rank": 7, "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)", "WI listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2020 (per Florida records)", "States 23 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/joanne-rogers-223618", "license_check": { "state": "WI", "confidence": "lender_reported", "eligible": true, "label": "WI 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/deerfield-il-3073/joanne-rogers/" }, "match_status": "exact", "matched_specialties": [ "down-payment-assistance" ], "unconfirmed_specialties": [] }, { "rank": 8, "score": 51.8, "loan_officer": { "nmls_id": 256481, "slug": "coley-rau-256481", "full_name": "Coley Rau", "canonical_url": "https://lendb.ai/lo/coley-rau-256481", "json_url": "https://lendb.ai/lo/coley-rau-256481.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Bryan", "state": "OH" }, "licensed_states": [ "FL", "AR", "AZ", "CA", "CO", "GA", "IA", "IL", "IN", "KS", "KY", "LA", "MI", "MO", "MS", "MT", "NC", "ND", "NE", "NJ", "OH", "SC", "SD", "TN", "TX", "WI" ], "licenses": [ { "state": "AR", "confidence": "lender_reported" }, { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "lender_reported" }, { "state": "CO", "confidence": "confirmed" }, { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "IA", "confidence": "lender_reported" }, { "state": "IL", "confidence": "lender_reported" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "KS", "confidence": "lender_reported" }, { "state": "KY", "confidence": "lender_reported" }, { "state": "LA", "confidence": "lender_reported" }, { "state": "MI", "confidence": "lender_reported" }, { "state": "MO", "confidence": "lender_reported" }, { "state": "MS", "confidence": "lender_reported" }, { "state": "MT", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "ND", "confidence": "lender_reported" }, { "state": "NE", "confidence": "lender_reported" }, { "state": "NJ", "confidence": "lender_reported" }, { "state": "OH", "confidence": "lender_reported" }, { "state": "SC", "confidence": "lender_reported" }, { "state": "SD", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" }, { "state": "WI", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "usda", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": 9, "licensed_since": { "year": 2017, "state": "FL" }, "years_experience": 21, "lender_profile_url": "https://crosscountrymortgage.com/bryan-oh-2035/coley-rau/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Down payment assistance on lender page (lender page, verified 2026-10-09)", "WI listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2017 (per Florida records)", "States 21 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/coley-rau-256481", "license_check": { "state": "WI", "confidence": "lender_reported", "eligible": true, "label": "WI 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/bryan-oh-2035/coley-rau/" }, "match_status": "exact", "matched_specialties": [ "down-payment-assistance" ], "unconfirmed_specialties": [] }, { "rank": 9, "score": 51.8, "loan_officer": { "nmls_id": 258898, "slug": "daniel-larkin-258898", "full_name": "Dan Larkin", "canonical_url": "https://lendb.ai/lo/daniel-larkin-258898", "json_url": "https://lendb.ai/lo/daniel-larkin-258898.json", "lender": { "nmls_id": 12007, "name": "LeaderOne Financial", "canonical_url": "https://lendb.ai/lender/leaderone-financial-12007", "type": "imb" }, "branch": { "city": "Oak Brook", "state": "IL" }, "licensed_states": [ "FL", "AZ", "CA", "CO", "IA", "IL", "IN", "KS", "KY", "MD", "MI", "MN", "MO", "NC", "SC", "TN", "TX", "WI" ], "licenses": [ { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "lender_reported" }, { "state": "CO", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "IA", "confidence": "lender_reported" }, { "state": "IL", "confidence": "lender_reported" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "KS", "confidence": "lender_reported" }, { "state": "KY", "confidence": "lender_reported" }, { "state": "MD", "confidence": "lender_reported" }, { "state": "MI", "confidence": "lender_reported" }, { "state": "MN", "confidence": "lender_reported" }, { "state": "MO", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "SC", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" }, { "state": "WI", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "construction", "evidence": "lender_page_text" }, { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "heloc", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "renovation", "evidence": "lender_page_text" }, { "slug": "reverse", "evidence": "lender_page_text" }, { "slug": "usda", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "years_licensed": 9, "licensed_since": { "year": 2017, "state": "FL" }, "years_experience": 25, "lender_profile_url": "https://www.leaderonefinancial.com/mlo/dan-larkin", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Down payment assistance on lender page (lender page, verified 2026-10-09)", "WI listed on their lender page (not yet checked with the state regulator; 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verify at NMLS)" ], "canonical_url": "https://lendb.ai/lo/ashlee-shipley-1280022", "license_check": { "state": "WI", "confidence": "lender_reported", "eligible": true, "label": "WI listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://www.fairway.com/lo/ashlee-shipley-1280022" }, "match_status": "exact", "matched_specialties": [ "down-payment-assistance" ], "unconfirmed_specialties": [] }, { "rank": 16, "score": 49, "loan_officer": { "nmls_id": 2409894, "slug": "edmund-lynch-2409894", "full_name": "Edmund Lynch", "canonical_url": "https://lendb.ai/lo/edmund-lynch-2409894", "json_url": "https://lendb.ai/lo/edmund-lynch-2409894.json", "lender": { "nmls_id": 399798, "name": "JPMorgan Chase Bank (Chase Home Lending)", "canonical_url": "https://lendb.ai/lender/chase-399798", "type": "bank" }, "branch": { "city": "Milwaukee", "state": "WI" }, "licensed_states": [], "licenses": [], "federal_registration_likely": true, "languages": [], "specialties": [ { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "years_licensed": 4, "licensed_since": { "year": 2022, "state": "FL" }, "years_experience": null, "lender_profile_url": "https://homelendingadvisor.chase.com/wi/milwaukee/111-east-wisconsin-avenue-hla-2409894", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Down payment assistance on lender page (lender page, verified 2026-10-09)", "Office in Milwaukee, WI", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "Licensed since 2022 (per Florida records)" ], "canonical_url": "https://lendb.ai/lo/edmund-lynch-2409894", "license_check": { "state": "WI", "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": 17, "score": 48.8, "loan_officer": { "nmls_id": 447074, "slug": "sandra-benitez-447074", "full_name": "Sandra Benitez", "canonical_url": "https://lendb.ai/lo/sandra-benitez-447074", "json_url": "https://lendb.ai/lo/sandra-benitez-447074.json", "lender": { "nmls_id": 399798, "name": "JPMorgan Chase Bank (Chase Home Lending)", "canonical_url": "https://lendb.ai/lender/chase-399798", "type": "bank" }, "branch": { "city": "Milwaukee", "state": "WI" }, "licensed_states": [], "licenses": [], "federal_registration_likely": true, "languages": [ "es" ], "specialties": [ { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": null, "lender_profile_url": "https://homelendingadvisor.chase.com/wi/milwaukee/1337-s-cesar-e-chavez-dr-hla-447074", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Down payment assistance on lender page (lender page, verified 2026-10-09)", "Office in Milwaukee, WI", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS" ], "canonical_url": "https://lendb.ai/lo/sandra-benitez-447074", "license_check": { "state": "WI", "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": 18, "score": 48.8, "loan_officer": { "nmls_id": 1657973, "slug": "ana-munoz-1657973", "full_name": "Ana Munoz", "canonical_url": "https://lendb.ai/lo/ana-munoz-1657973", "json_url": "https://lendb.ai/lo/ana-munoz-1657973.json", "lender": { "nmls_id": 399798, "name": "JPMorgan Chase Bank (Chase Home Lending)", "canonical_url": "https://lendb.ai/lender/chase-399798", "type": "bank" }, "branch": { "city": "Kenosha", "state": "WI" }, "licensed_states": [], "licenses": [], "federal_registration_likely": true, "languages": [ "es" ], "specialties": [ { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "va", "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://homelendingadvisor.chase.com/wi/kenosha/3611-80th-st-hla-1657973", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Down payment assistance on lender page (lender page, verified 2026-10-09)", "Office in Kenosha, WI", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS" ], "canonical_url": "https://lendb.ai/lo/ana-munoz-1657973", "license_check": { "state": "WI", "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": 19, "score": 48.5, "loan_officer": { "nmls_id": 192878, "slug": "alexander-margulis-192878", "full_name": "Alex Margulis", "canonical_url": "https://lendb.ai/lo/alexander-margulis-192878", "json_url": "https://lendb.ai/lo/alexander-margulis-192878.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Chicago", "state": "IL" }, "licensed_states": [ "FL", "AZ", "CA", "CO", "CT", "DC", "GA", "IA", "IL", "IN", "KS", "KY", "MA", "MD", "ME", "MI", "MN", "MO", "NJ", "NV", "OH", "OR", "PA", "SC", "TN", "TX", "VA", "WA", "WI" ], "licenses": [ { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "lender_reported" }, { "state": "CO", "confidence": "lender_reported" }, { "state": "CT", "confidence": "lender_reported" }, { "state": "DC", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "IA", "confidence": "lender_reported" }, { "state": "IL", "confidence": "lender_reported" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "KS", "confidence": "lender_reported" }, { "state": "KY", "confidence": "lender_reported" }, { "state": "MA", "confidence": "lender_reported" }, { "state": "MD", "confidence": "lender_reported" }, { "state": "ME", "confidence": "lender_reported" }, { "state": "MI", "confidence": "lender_reported" }, { "state": "MN", "confidence": "lender_reported" }, { "state": "MO", "confidence": "lender_reported" }, { "state": "NJ", "confidence": "lender_reported" }, { "state": "NV", "confidence": "lender_reported" }, { "state": "OH", "confidence": "lender_reported" }, { "state": "OR", "confidence": "lender_reported" }, { "state": "PA", "confidence": "lender_reported" }, { "state": "SC", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" }, { "state": "WI", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [ "en", "ru" ], "specialties": [ { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" } ], "years_licensed": 13, "licensed_since": { "year": 2013, "state": "FL" }, "years_experience": null, "lender_profile_url": "https://crosscountrymortgage.com/chicago-il-7101/alexander-margulis/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Down payment assistance on lender page (lender page, verified 2026-10-09)", "WI listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2013 (per Florida records)" ], "canonical_url": "https://lendb.ai/lo/alexander-margulis-192878", "license_check": { "state": "WI", "confidence": "lender_reported", "eligible": true, "label": "WI 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/chicago-il-7101/alexander-margulis/" }, "match_status": "exact", "matched_specialties": [ "down-payment-assistance" ], "unconfirmed_specialties": [] }, { "rank": 20, "score": 48.5, "loan_officer": { "nmls_id": 915408, "slug": "charles-j-sindelar-915408", "full_name": "Charles J Sindelar", "canonical_url": "https://lendb.ai/lo/charles-j-sindelar-915408", "json_url": "https://lendb.ai/lo/charles-j-sindelar-915408.json", "lender": { "nmls_id": 399798, "name": "JPMorgan Chase Bank (Chase Home Lending)", "canonical_url": "https://lendb.ai/lender/chase-399798", "type": "bank" }, "branch": { "city": "Brookfield", "state": "WI" }, "licensed_states": [], "licenses": [], "federal_registration_likely": true, "languages": [], "specialties": [ { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "vacation-home", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "self-employed", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": null, "lender_profile_url": "https://homelendingadvisor.chase.com/wi/brookfield/2255-n-calhoun-rd-hla-915408", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Down payment assistance on lender page (lender page, verified 2026-10-09)", "Office in Brookfield, WI", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS" ], "canonical_url": "https://lendb.ai/lo/charles-j-sindelar-915408", "license_check": { "state": "WI", "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": 21, "score": 48.5, "loan_officer": { "nmls_id": 1215028, "slug": "marybeth-simkowski-1215028", "full_name": "MaryBeth Simkowski", "canonical_url": "https://lendb.ai/lo/marybeth-simkowski-1215028", "json_url": "https://lendb.ai/lo/marybeth-simkowski-1215028.json", "lender": { "nmls_id": 399798, "name": "JPMorgan Chase Bank (Chase Home Lending)", "canonical_url": "https://lendb.ai/lender/chase-399798", "type": "bank" }, "branch": { "city": "Milwaukee", "state": "WI" }, "licensed_states": [], "licenses": [], "federal_registration_likely": true, "languages": [], "specialties": [ { "slug": "co-op", "evidence": "lender_page_text" }, { "slug": "condo", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "heloc", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "down-payment-assistance", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": null, "lender_profile_url": "https://homelendingadvisor.chase.com/wi/milwaukee/111-east-wisconsin-avenue-hla-1215028", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Down payment assistance on lender page (lender page, verified 2026-10-09)", "Office in Milwaukee, WI", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS" ], "canonical_url": "https://lendb.ai/lo/marybeth-simkowski-1215028", "license_check": { "state": "WI", "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": 22, "score": 48.5, "loan_officer": { "nmls_id": 1440788, "slug": "bobby-fisher-1440788", "full_name": "Bobby Fisher", "canonical_url": "https://lendb.ai/lo/bobby-fisher-1440788", "json_url": "https://lendb.ai/lo/bobby-fisher-1440788.json", "lender": { "nmls_id": 399798, "name": "JPMorgan Chase Bank (Chase Home Lending)", "canonical_url": "https://lendb.ai/lender/chase-399798", "type": "bank" }, "branch": { "city": "Oak Creek", "state": "WI" }, "licensed_states": [], "licenses": [], "federal_registration_likely": true, "languages": [], "specialties": [ { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "vacation-home", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "va", "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://homelendingadvisor.chase.com/wi/oak-creek/7980-s-howell-ave-hla-1440788", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Down payment assistance on lender page (lender page, verified 2026-10-09)", "Office in Oak Creek, WI", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS" ], "canonical_url": "https://lendb.ai/lo/bobby-fisher-1440788", "license_check": { "state": "WI", "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": 23, "score": 48.5, "loan_officer": { "nmls_id": 1811200, "slug": "jason-t-mandl-1811200", "full_name": "Jason T Mandl", "canonical_url": "https://lendb.ai/lo/jason-t-mandl-1811200", "json_url": "https://lendb.ai/lo/jason-t-mandl-1811200.json", "lender": { "nmls_id": 399798, "name": "JPMorgan Chase Bank (Chase Home Lending)", "canonical_url": "https://lendb.ai/lender/chase-399798", "type": "bank" }, "branch": { "city": "Milwaukee", "state": "WI" }, "licensed_states": [], "licenses": [], "federal_registration_likely": true, "languages": [], "specialties": [ { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "co-op", "evidence": "lender_page_text" }, { "slug": "condo", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": null, "lender_profile_url": "https://homelendingadvisor.chase.com/wi/milwaukee/111-e-wisconsin-ave-hla-1811200", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Down payment assistance on lender page (lender page, verified 2026-10-09)", "Office in Milwaukee, WI", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS" ], "canonical_url": "https://lendb.ai/lo/jason-t-mandl-1811200", "license_check": { "state": "WI", "confidence": "federal_registration", "eligible": true, "label": "Likely federally registered (works at a bank). 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