{
  "canonical_url": "https://lendb.ai/s/heloc/michigan",
  "summary": "As of 2026-10-09, LenDb lists 80 loan officers licensed in or based in Michigan whose lender pages show HELOC work. The top-ranked are Ryan Underwood (CrossCountry Mortgage, Independence), 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.",
  "specialty": "heloc",
  "state": "MI",
  "total": 80,
  "last_verified": "2026-10-09",
  "results": [
    {
      "rank": 1,
      "score": 52.8,
      "loan_officer": {
        "nmls_id": 1886806,
        "slug": "ryan-underwood-1886806",
        "full_name": "Ryan Underwood",
        "canonical_url": "https://lendb.ai/lo/ryan-underwood-1886806",
        "json_url": "https://lendb.ai/lo/ryan-underwood-1886806.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Independence",
          "state": "OH"
        },
        "licensed_states": [
          "FL",
          "CO",
          "GA",
          "IL",
          "IN",
          "MI",
          "OH"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 6,
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/independence-oh-2046/ryan-underwood/"
      },
      "reasons": [
        "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"
      ],
      "canonical_url": "https://lendb.ai/lo/ryan-underwood-1886806"
    },
    {
      "rank": 2,
      "score": 52,
      "loan_officer": {
        "nmls_id": 430030,
        "slug": "daniel-mcdermott-430030",
        "full_name": "Daniel McDermott",
        "canonical_url": "https://lendb.ai/lo/daniel-mcdermott-430030",
        "json_url": "https://lendb.ai/lo/daniel-mcdermott-430030.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Montvale",
          "state": "NJ"
        },
        "licensed_states": [
          "FL",
          "CO",
          "AL",
          "AZ",
          "CA",
          "CT",
          "GA",
          "IL",
          "IN",
          "KY",
          "MA",
          "MD",
          "MI",
          "MS",
          "NC",
          "NJ",
          "NV",
          "NY",
          "OH",
          "OK",
          "OR",
          "PA",
          "SC",
          "TN",
          "UT",
          "VA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 14,
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/montvale-nj-4328/daniel-mcdermott/"
      },
      "reasons": [
        "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"
      ],
      "canonical_url": "https://lendb.ai/lo/daniel-mcdermott-430030"
    },
    {
      "rank": 3,
      "score": 51.3,
      "loan_officer": {
        "nmls_id": 2268018,
        "slug": "william-white-2268018",
        "full_name": "Bill White",
        "canonical_url": "https://lendb.ai/lo/william-white-2268018",
        "json_url": "https://lendb.ai/lo/william-white-2268018.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Cincinnati",
          "state": "OH"
        },
        "licensed_states": [
          "FL",
          "AL",
          "GA",
          "IL",
          "IN",
          "KY",
          "MI",
          "NC",
          "OH",
          "OK",
          "PA",
          "SC",
          "TX",
          "VA",
          "WI"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 3,
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/cincinnati-oh-2118/william-white/"
      },
      "reasons": [
        "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"
      ],
      "canonical_url": "https://lendb.ai/lo/william-white-2268018"
    },
    {
      "rank": 4,
      "score": 48.3,
      "loan_officer": {
        "nmls_id": 1118195,
        "slug": "desmond-morgan-1118195",
        "full_name": "Desmond Morgan",
        "canonical_url": "https://lendb.ai/lo/desmond-morgan-1118195",
        "json_url": "https://lendb.ai/lo/desmond-morgan-1118195.json",
        "lender": {
          "nmls_id": 320841,
          "name": "Loan Factory",
          "canonical_url": "https://lendb.ai/lender/loan-factory-320841",
          "type": "broker"
        },
        "branch": {
          "city": null,
          "state": null
        },
        "licensed_states": [
          "GA",
          "MI",
          "OH"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 12,
        "years_experience": null,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/desmond-morgan-1118195"
      },
      "reasons": [
        "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"
      ],
      "canonical_url": "https://lendb.ai/lo/desmond-morgan-1118195"
    },
    {
      "rank": 5,
      "score": 47.8,
      "loan_officer": {
        "nmls_id": 312680,
        "slug": "ryan-vallone-312680",
        "full_name": "Ryan Vallone",
        "canonical_url": "https://lendb.ai/lo/ryan-vallone-312680",
        "json_url": "https://lendb.ai/lo/ryan-vallone-312680.json",
        "lender": {
          "nmls_id": 2553292,
          "name": "Lit Financial Corporation",
          "canonical_url": "https://lendb.ai/lender/lit-financial-2553292",
          "type": "imb"
        },
        "branch": {
          "city": null,
          "state": null
        },
        "licensed_states": [
          "FL",
          "AL",
          "CA",
          "CO",
          "GA",
          "IA",
          "IL",
          "ME",
          "MI",
          "MN",
          "ND",
          "NM",
          "OK",
          "TX"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 14,
        "years_experience": 15,
        "lender_profile_url": "https://litfinancial.com/loan-experts/ryan-vallone"
      },
      "reasons": [
        "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"
      ],
      "canonical_url": "https://lendb.ai/lo/ryan-vallone-312680"
    },
    {
      "rank": 6,
      "score": 47.3,
      "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"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "condo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "construction",
            "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": "heloc",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "manufactured",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 9,
        "years_experience": null,
        "lender_profile_url": "https://www.successmortgagepartners.com/advisor/corey-vandenberg/"
      },
      "reasons": [
        "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",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/corin-vandenberg-563900"
    },
    {
      "rank": 7,
      "score": 46.3,
      "loan_officer": {
        "nmls_id": 255833,
        "slug": "james-abdallah-255833",
        "full_name": "James Abdallah",
        "canonical_url": "https://lendb.ai/lo/james-abdallah-255833",
        "json_url": "https://lendb.ai/lo/james-abdallah-255833.json",
        "lender": {
          "nmls_id": 2553292,
          "name": "Lit Financial Corporation",
          "canonical_url": "https://lendb.ai/lender/lit-financial-2553292",
          "type": "imb"
        },
        "branch": {
          "city": null,
          "state": null
        },
        "licensed_states": [
          "FL",
          "AL",
          "CO",
          "GA",
          "IA",
          "IL",
          "KS",
          "ME",
          "MI",
          "MN",
          "ND",
          "OH",
          "OK",
          "PA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 11,
        "years_experience": 22,
        "lender_profile_url": "https://litfinancial.com/loan-experts/james-abdallah"
      },
      "reasons": [
        "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"
      ],
      "canonical_url": "https://lendb.ai/lo/james-abdallah-255833"
    },
    {
      "rank": 8,
      "score": 44.6,
      "loan_officer": {
        "nmls_id": 690505,
        "slug": "iris-legaspi-690505",
        "full_name": "Iris Legaspi",
        "canonical_url": "https://lendb.ai/lo/iris-legaspi-690505",
        "json_url": "https://lendb.ai/lo/iris-legaspi-690505.json",
        "lender": {
          "nmls_id": 503941,
          "name": "First Citizens Bank",
          "canonical_url": "https://lendb.ai/lender/first-citizens-bank-503941",
          "type": "bank"
        },
        "branch": {
          "city": "San Diego",
          "state": "CA"
        },
        "licensed_states": [
          "AL",
          "AZ",
          "CA",
          "CO",
          "DC",
          "FL",
          "GA",
          "HI",
          "IA",
          "IL",
          "KS",
          "MA",
          "MD",
          "MI",
          "MN",
          "MO",
          "NC",
          "NE",
          "NJ",
          "NM",
          "NV",
          "NY",
          "OH",
          "OK",
          "OR",
          "PA",
          "SC",
          "TN",
          "TX",
          "UT",
          "VA",
          "WA",
          "WI",
          "WV",
          "WY"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "physician",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "vacation-home",
            "evidence": "lender_page_text"
          },
          {
            "slug": "asset-based",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 17,
        "lender_profile_url": "https://bankers.firstcitizens.com/mortgage/ca/san-diego/iris-legaspi"
      },
      "reasons": [
        "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"
      ],
      "canonical_url": "https://lendb.ai/lo/iris-legaspi-690505"
    },
    {
      "rank": 9,
      "score": 43.8,
      "loan_officer": {
        "nmls_id": 286247,
        "slug": "alandro-norman-286247",
        "full_name": "Al Norman",
        "canonical_url": "https://lendb.ai/lo/alandro-norman-286247",
        "json_url": "https://lendb.ai/lo/alandro-norman-286247.json",
        "lender": {
          "nmls_id": 320841,
          "name": "Loan Factory",
          "canonical_url": "https://lendb.ai/lender/loan-factory-320841",
          "type": "broker"
        },
        "branch": {
          "city": null,
          "state": null
        },
        "licensed_states": [
          "FL",
          "GA",
          "MI",
          "PA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 15,
        "years_experience": 20,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/al-norman-286247"
      },
      "reasons": [
        "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"
      ],
      "canonical_url": "https://lendb.ai/lo/alandro-norman-286247"
    },
    {
      "rank": 10,
      "score": 43.3,
      "loan_officer": {
        "nmls_id": 1128672,
        "slug": "arnell-brady-1128672",
        "full_name": "Arnell Brady II",
        "canonical_url": "https://lendb.ai/lo/arnell-brady-1128672",
        "json_url": "https://lendb.ai/lo/arnell-brady-1128672.json",
        "lender": {
          "nmls_id": 399798,
          "name": "JPMorgan Chase Bank (Chase Home Lending)",
          "canonical_url": "https://lendb.ai/lender/chase-399798",
          "type": "bank"
        },
        "branch": {
          "city": "Chicago",
          "state": "IL"
        },
        "licensed_states": [
          "AR",
          "AZ",
          "CA",
          "GA",
          "IL",
          "IN",
          "MD",
          "MI",
          "MO",
          "NV",
          "TX"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "co-op",
            "evidence": "lender_page_text"
          },
          {
            "slug": "condo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 3,
        "years_experience": null,
        "lender_profile_url": "https://homelendingadvisor.chase.com/il/chicago/3500-south-king-drive-hla-1128672"
      },
      "reasons": [
        "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"
      ],
      "canonical_url": "https://lendb.ai/lo/arnell-brady-1128672"
    },
    {
      "rank": 11,
      "score": 41.8,
      "loan_officer": {
        "nmls_id": 608673,
        "slug": "tyann-sanchez-608673",
        "full_name": "Tyann Sanchez",
        "canonical_url": "https://lendb.ai/lo/tyann-sanchez-608673",
        "json_url": "https://lendb.ai/lo/tyann-sanchez-608673.json",
        "lender": {
          "nmls_id": 2289,
          "name": "Fairway Independent Mortgage Corporation",
          "canonical_url": "https://lendb.ai/lender/fairway-independent-mortgage-2289",
          "type": "imb"
        },
        "branch": {
          "city": "Fort Wayne",
          "state": "IN"
        },
        "licensed_states": [
          "IN",
          "OH",
          "MI"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 5,
        "lender_profile_url": "https://www.fairway.com/lo/tyann-sanchez-608673"
      },
      "reasons": [
        "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"
      ],
      "canonical_url": "https://lendb.ai/lo/tyann-sanchez-608673"
    },
    {
      "rank": 12,
      "score": 41,
      "loan_officer": {
        "nmls_id": 1254520,
        "slug": "matthew-brown-1254520",
        "full_name": "Matthew Brown",
        "canonical_url": "https://lendb.ai/lo/matthew-brown-1254520",
        "json_url": "https://lendb.ai/lo/matthew-brown-1254520.json",
        "lender": {
          "nmls_id": 320841,
          "name": "Loan Factory",
          "canonical_url": "https://lendb.ai/lender/loan-factory-320841",
          "type": "broker"
        },
        "branch": {
          "city": "Austin",
          "state": "TX"
        },
        "licensed_states": [
          "FL",
          "AL",
          "AR",
          "AZ",
          "GA",
          "IA",
          "IL",
          "KS",
          "KY",
          "LA",
          "MD",
          "ME",
          "MI",
          "MN",
          "MO",
          "NC",
          "NH",
          "NM",
          "NV",
          "OH",
          "OK",
          "OR",
          "TN",
          "TX",
          "UT",
          "VA",
          "VT",
          "WA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
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