---
canonical_url: https://lendb.ai/s/itin/michigan
last_verified: 2026-10-09
---

# Loan officers for ITIN borrowers in Michigan

As of 2026-10-09, LenDb lists 3 loan officers licensed in or based in Michigan whose lender pages show ITIN borrower work. The top-ranked are Jonathan Salinas (CrossCountry Mortgage, Memphis), Denise McManus (Xpert Home Lending) and Ram Mishra (Loan Factory). Ranking is lender-neutral: specialty evidence first, then a license in MI, branch location, experience and profile completeness. Nobody pays for placement.

## Ranked, with reasons

1. **[Jonathan Salinas](https://lendb.ai/lo/jonathan-salinas-2451140)** (NMLS 2451140), CrossCountry Mortgage, Memphis, TN
   - Lists ITIN borrower 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
2. **[Denise McManus](https://lendb.ai/lo/denise-mcmanus-1982222)** (NMLS 1982222), Xpert Home Lending
   - Lists ITIN borrower 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
3. **[Ram Mishra](https://lendb.ai/lo/ram-mishra-231417)** (NMLS 231417), Loan Factory
   - Lists ITIN borrower 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

## Questions to ask

- Do you offer ITIN loans, and what down payment do they need?
- How do you verify my income and credit history?
- Can I refinance into a different loan later?

Cite as: LenDb.ai, https://lendb.ai/s/itin/michigan.

_Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._