Loan programs · Michigan
FHA loan officers in Michigan
As of 2026-10-09, LenDb lists 313 loan officers licensed in or based in Michigan whose lender pages show FHA loan work. The top-ranked are Todd Barr (Success Mortgage Partners, Plymouth), Jason A Walker (CrossCountry Mortgage, Grand Haven) and Jennifer R Heller (Loan Factory). 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 25
- 1
Todd BarrNMLS 137590
Success Mortgage Partners · Plymouth, MI
- FHA loan
- USDA loan
- VA loan
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in MI (listed on lender page, verified 2026-10-09)
- Branch in Michigan
- 25 years experience (stated on lender page, 2026-10-09)
- 2
Jason A WalkerNMLS 2384353
CrossCountry Mortgage · Grand Haven, MI · licensed in 3 states
- FHA loan
- First-time buyer
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in MI (listed on lender page, verified 2026-10-09)
- Branch in Michigan
- 20 years experience (stated on lender page, 2026-10-09)
- 3
Jennifer R HellerNMLS 2375826
Loan Factory · Michigan
- FHA loan
- USDA loan
- VA loan
- Real estate investor
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in MI (listed on lender page, verified 2026-10-09)
- Branch in Michigan
- 20 years experience (stated on lender page, 2026-10-09)
- 4
Bob WhiteNMLS 23396
JPMorgan Chase Bank (Chase Home Lending) · West Bloomfield, MI
- FHA loan
- Jumbo loan
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in MI (listed on lender page, verified 2026-10-09)
- Branch in Michigan
- 15 years licensed
- 5
Jen A LewisNMLS 982731
JPMorgan Chase Bank (Chase Home Lending) · Bloomfield Hills, MI
- FHA loan
- VA loan
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in MI (listed on lender page, verified 2026-10-09)
- Branch in Michigan
- 15 years experience (stated on lender page, 2026-10-09)
- 6
Jennifer MantaiNMLS 138224
Guild Mortgage · Merrillville, IN · licensed in 3 states
- FHA loan
- Down payment assistance
- DSCR loan
- First-time buyer
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in MI (listed on lender page, verified 2026-10-09)
- 23 years experience (stated on lender page, 2026-10-09)
- No disciplinary actions on file at LenDb
- 7
Sandee LutzNMLS 533656
CrossCountry Mortgage · Romeo, MI · licensed in 29 states
- FHA loan
- Renovation loan (203k / HomeStyle)
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in MI (listed on lender page, verified 2026-10-09)
- Branch in Michigan
- 6 years licensed
- 8
Chris DeRuischerNMLS 1025953
Churchill Mortgage · Wyoming, MI · licensed in 7 states
- FHA loan
- First-time buyer
- Real estate investor
- VA loan
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in MI (listed on lender page, verified 2026-10-09)
- Branch in Michigan
- 5 years licensed
- 9
Kevin HolmesNMLS 193246
NFM Lending · Linthicum, MD · licensed in 23 states
- FHA loan
- First-time buyer
- Jumbo loan
- USDA loan
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in MI (listed on lender page, verified 2026-10-09)
- 14 years licensed
- No disciplinary actions on file at LenDb
- 10
Sarah NelsonNMLS 575649
Union Home Mortgage · East Lansing, MI
- FHA loan
- USDA loan
- VA loan
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in MI (listed on lender page, verified 2026-10-09)
- Branch in Michigan
- 4 years licensed
- 11
Joel KoziolNMLS 1539247
Ruoff Mortgage · Michigan
- FHA loan
- First-time buyer
- Bank statement loan
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in MI (listed on lender page, verified 2026-10-09)
- Branch in Michigan
- 10 years experience (stated on lender page, 2026-10-09)
- 12
Lori JuleNMLS 190409
Atlantic Coast Mortgage · Fairfax, VA · licensed in 27 states
- FHA loan
- Jumbo loan
- USDA loan
- VA loan
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in MI (listed on lender page, verified 2026-10-09)
- 15 years licensed
- No disciplinary actions on file at LenDb
- 13
Bob SmithNMLS 518087
Guild Mortgage · Stuart, FL · licensed in 2 states
- FHA loan
- First-time buyer
- Jumbo loan
- VA loan
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in MI (listed on lender page, verified 2026-10-09)
- 12 years licensed
- No disciplinary actions on file at LenDb
- 14
Kristina HayesNMLS 1057175
Churchill Mortgage · Irvine, CA · licensed in 24 states
- FHA loan
- Non-QM loan
- VA loan
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in MI (listed on lender page, verified 2026-10-09)
- 12 years licensed
- No disciplinary actions on file at LenDb
- 15
Morgan CowleNMLS 40312
Churchill Mortgage · Brentwood, TN · licensed in 13 states
- FHA loan
- VA loan
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in MI (listed on lender page, verified 2026-10-09)
- 11 years licensed
- No disciplinary actions on file at LenDb
- 16
Lenae VandegriftNMLS 649456
American Pacific Mortgage · Thornton, CO · licensed in 10 states
- FHA loan
- Condo
- First-time buyer
- Jumbo loan
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in MI (listed on lender page, verified 2026-10-09)
- 12 years licensed
- No disciplinary actions on file at LenDb
- 17
Chris MartoranoNMLS 130044
Guild Mortgage · Chicago, IL · licensed in 10 states
- FHA loan
- Down payment assistance
- First-time buyer
- Jumbo loan
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in MI (listed on lender page, verified 2026-10-09)
- 10 years licensed
- No disciplinary actions on file at LenDb
- 18
Matt MierasNMLS 245686
Guild Mortgage · Charleston, SC · licensed in 8 states
- FHA loan
- First-time buyer
- Jumbo loan
- Renovation loan (203k / HomeStyle)
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in MI (listed on lender page, verified 2026-10-09)
- 10 years licensed
- No disciplinary actions on file at LenDb
- 19
George KomoroskiNMLS 16721
Total Mortgage Services · Milford, CT · licensed in 16 states
- FHA loan
- First-time buyer
- Jumbo loan
- VA loan
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in MI (listed on lender page, verified 2026-10-09)
- 9 years licensed
- No disciplinary actions on file at LenDb
- 20
Adam MillerNMLS 221065
LeaderOne Financial · Oak Brook, IL · licensed in 13 states
- FHA loan
- First-time buyer
- Real estate investor
- VA loan
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in MI (listed on lender page, verified 2026-10-09)
- 9 years licensed
- No disciplinary actions on file at LenDb
- 21
Agostino (Augie) IaconoNMLS 283725
Barrett Financial Group · Brookfield, WI · licensed in 11 states
- FHA loan
- Bank statement loan
- Down payment assistance
- Jumbo loan
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in MI (listed on lender page, verified 2026-10-09)
- 9 years licensed
- No disciplinary actions on file at LenDb
- 22
Julie SammonsNMLS 870309
Ruoff Mortgage · Michigan
- FHA loan
- Down payment assistance
- First-time buyer
- VA loan
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in MI (listed on lender page, verified 2026-10-09)
- Branch in Michigan
- No disciplinary actions on file at LenDb
- 23
Sonia HashimiNMLS 965240
Loan Factory · licensed in 17 states
- FHA loan
- First-time buyer
- VA loan
- Real estate investor
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in MI (listed on lender page, verified 2026-10-09)
- 12 years licensed
- No disciplinary actions on file at LenDb
- 24
Timothy McGintyNMLS 1443050
LeaderOne Financial · Oak Brook, IL · licensed in 13 states
- FHA loan
- Jumbo loan
- Non-QM loan
- VA loan
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in MI (listed on lender page, verified 2026-10-09)
- 9 years licensed
- No disciplinary actions on file at LenDb
- 25
Brian HerveyNMLS 138101
Union Home Mortgage · Reed City, MI
- FHA loan
- Rural property
- Down payment assistance
- New construction
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in MI (listed on lender page, verified 2026-10-09)
- Branch in Michigan
- 20 years experience (stated on lender page, 2026-10-09)
Before you choose
Lender overlays on credit score and debt-to-income differ, and property condition rules can complicate older homes.
- What minimum credit score do you accept for FHA, with or without overlays?
- How do you handle FHA appraisal repair requirements?
- What will mortgage insurance cost over the life of the loan?
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=fha&state=MI. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.