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Loan programs · Michigan

HELOC loan officers in Michigan

As of 2026-10-09, LenDb lists 94 loan officers licensed in or based in Michigan whose lender pages show HELOC work. The top-ranked are Lindsey Whitman (Guild Mortgage, Davison), Daniel McDermott (CrossCountry Mortgage, Montvale) and Bill White (CrossCountry Mortgage, Cincinnati). 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. 1

    Lindsey WhitmanNMLS 1106835

    Guild Mortgage · Davison, MI · licensed in 2 states

    • HELOC
    • First-time buyer
    • Real estate investor
    • Down payment assistance
    • Lists HELOC 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
  2. 2

    Daniel McDermottNMLS 430030

    CrossCountry Mortgage · Montvale, NJ · licensed in 26 states

    • HELOC
    • Lists HELOC 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
  3. 3

    Bill WhiteNMLS 2268018

    CrossCountry Mortgage · Cincinnati, OH · licensed in 15 states

    • HELOC
    • First-time buyer
    • Lists HELOC 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
  4. 4

    Desmond MorganNMLS 1118195

    Loan Factory · Mortgage broker · licensed in 3 states

    • HELOC
    • First-time buyer
    • Real estate investor
    • Lists HELOC 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
  5. 5

    Ryan ValloneNMLS 312680

    Lit Financial Corporation · licensed in 14 states

    • HELOC
    • Lists HELOC 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
  6. 6

    Corey VandenbergNMLS 563900

    Success Mortgage Partners · Grand Rapids, MI · licensed in 10 states

    • HELOC
    • First-time buyer
    • Condo
    • Construction loan
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in MI (listed on lender page, verified 2026-10-09)
    • Branch in Michigan
    • 9 years licensed
  7. 7

    James AbdallahNMLS 255833

    Lit Financial Corporation · licensed in 14 states

    • HELOC
    • Lists HELOC 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
  8. 8

    Iris LegaspiNMLS 690505

    First Citizens Bank · San Diego, CA · licensed in 35 states

    • HELOC
    • Down payment assistance
    • First-time buyer
    • Jumbo loan
    • Lists HELOC 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
  9. 9

    Al NormanNMLS 286247

    Loan Factory · Mortgage broker · licensed in 4 states

    • HELOC
    • First-time buyer
    • Real estate investor
    • VA loan
    • Lists HELOC 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
  10. 10

    Arnell Brady IINMLS 1128672

    JPMorgan Chase Bank (Chase Home Lending) · Chicago, IL · licensed in 11 states

    • HELOC
    • Co-op
    • Condo
    • FHA loan
    • Lists HELOC 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
  11. 11

    Tyann SanchezNMLS 608673

    Fairway Independent Mortgage Corporation · Fort Wayne, IN · licensed in 3 states

    • HELOC
    • Down payment assistance
    • VA loan
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in MI (listed on lender page, verified 2026-10-09)
    • 5 years experience (stated on lender page, 2026-10-09)
    • No disciplinary actions on file at LenDb
  12. 12

    Matthew BrownNMLS 1254520

    Loan Factory · Mortgage broker · Austin, TX · licensed in 28 states

    • HELOC
    • Construction loan
    • Renovation loan (203k / HomeStyle)
    • FHA loan
    • Lists HELOC 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
  13. 13

    Anthony DesanoNMLS 12319

    Embrace Home Loans · Middletown, RI · licensed in 24 states

    • HELOC
    • First-time buyer
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in MI (listed on lender page, verified 2026-10-09)
    • 6 years licensed
    • No disciplinary actions on file at LenDb
  14. 14

    Jeff HammelNMLS 162437

    Ruoff Mortgage · licensed in 17 states

    • HELOC
    • FHA loan
    • Renovation loan (203k / HomeStyle)
    • VA loan
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in MI (listed on lender page, verified 2026-10-09)
    • 8 years licensed
    • No disciplinary actions on file at LenDb
  15. 15

    Dominic HifkoNMLS 2846994

    Lit Financial Corporation · licensed in 2 states

    • HELOC
    • FHA loan
    • VA loan
    • Lists HELOC 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
  16. 16

    Thomas SamulskiNMLS 2774623

    Lit Financial Corporation · licensed in 6 states

    • HELOC
    • FHA loan
    • Lists HELOC 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
  17. 17

    Paul QuinlanNMLS 1853860

    Guild Mortgage · Albuquerque, NM · licensed in 4 states

    • HELOC
    • Self-employed
    • Real estate investor
    • Down payment assistance
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in MI (listed on lender page, verified 2026-10-09)
    • 1 years licensed
    • No disciplinary actions on file at LenDb
  18. 18

    Denise McManusNMLS 1982222

    Xpert Home Lending · Mortgage broker · licensed in 5 states

    • HELOC
    • Non-QM loan
    • Real estate investor
    • Self-employed
    • Lists HELOC 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
  19. 19

    Teyona StewartNMLS 2215853

    First Citizens Bank · La Jolla, CA · licensed in 35 states

    • HELOC
    • First-time buyer
    • Down payment assistance
    • FHA loan
    • Lists HELOC 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
  20. 20

    Miley BormanNMLS 2690426

    Ruoff Mortgage

    • HELOC
    • New construction
    • Renovation loan (203k / HomeStyle)
    • First-time buyer
    • Lists HELOC 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
  21. 21

    James AbronNMLS 2758856

    Loan Factory · Mortgage broker · licensed in 6 states

    • HELOC
    • 2 to 4 unit property
    • Construction loan
    • Down payment assistance
    • Lists HELOC 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
  22. 22

    Ravi K BansalNMLS 2840451

    Loan Factory · Mortgage broker · Seattle, WA · licensed in 19 states

    • HELOC
    • Real estate investor
    • Asset-based qualifying
    • Bank statement loan
    • Lists HELOC 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
  23. 23

    Donna Kadrich RegnerNMLS 168295

    CrossCountry Mortgage · Ann Arbor, MI

    • HELOC
    • FHA loan
    • First-time buyer
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Branch in Michigan; no license list on file yet, verify at NMLS Consumer Access
    • No disciplinary actions on file at LenDb
  24. 24

    Vanessa KeyesNMLS 175468

    CrossCountry Mortgage · Ann Arbor, MI

    • HELOC
    • FHA loan
    • First-time buyer
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Branch in Michigan; no license list on file yet, verify at NMLS Consumer Access
    • No disciplinary actions on file at LenDb
  25. 25

    Anthony GrechNMLS 977416

    CrossCountry Mortgage · Southfield, MI · licensed in 9 states

    • HELOC
    • First-time buyer
    • Lists HELOC 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

Combined loan-to-value limits, rate structures and draw periods vary by lender, and many only offer them to existing customers.

  • What combined loan-to-value do you allow?
  • Is the rate variable, and are there fixed-rate draw options?
  • Are there annual fees or early closure fees?

More about HELOC

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=heloc&state=MI. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.