{ "canonical_url": "https://lendb.ai/s/jumbo/michigan", "summary": "As of 2026-10-09, LenDb lists 100 loan officers licensed in or based in Michigan whose lender pages show Jumbo loan work. The top-ranked are Kay M. Davis (Union Home Mortgage, Saint Clair), Robin Thompson (Union Home Mortgage, Saint Clair) and Joe Magallanes (CrossCountry Mortgage, Newport Beach). Ranking is lender-neutral: specialty evidence first, then a license in MI, branch location, experience and profile completeness. Nobody pays for placement.", "specialty": "jumbo", "state": "MI", "total": 100, "last_verified": "2026-10-09", "results": [ { "rank": 1, "score": 62.8, "loan_officer": { "nmls_id": 436627, "slug": "katherine-davis-436627", "full_name": "Kay M. Davis", "canonical_url": "https://lendb.ai/lo/katherine-davis-436627", "json_url": "https://lendb.ai/lo/katherine-davis-436627.json", "lender": { "nmls_id": 2229, "name": "Union Home Mortgage", "canonical_url": "https://lendb.ai/lender/union-home-mortgage-2229", "type": "imb" }, "branch": { "city": "Saint Clair", "state": "MI" }, "licensed_states": [ "FL", "AZ", "CO", "MI", "NE" ], "licenses": [ { "state": "AZ", "confidence": "lender_reported" }, { "state": "CO", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "MI", "confidence": "lender_reported" }, { "state": "NE", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "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": 9, "licensed_since": { "year": 2017, "state": "FL" }, "years_experience": 35, "lender_profile_url": "https://www.uhm.com/loan-officers/kay-davis/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Jumbo loan on lender page (lender page, verified 2026-10-09)", "Office in Saint Clair, MI", "MI listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2017 (per Florida records)", "States 35 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/katherine-davis-436627", "license_check": { "state": "MI", "confidence": "lender_reported", "eligible": true, "label": "MI 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/kay-davis/" }, "match_status": "exact", "matched_specialties": [ "jumbo" ], "unconfirmed_specialties": [] }, { "rank": 2, "score": 60.3, "loan_officer": { "nmls_id": 148063, "slug": "robin-thompson-148063", "full_name": "Robin Thompson", "canonical_url": "https://lendb.ai/lo/robin-thompson-148063", "json_url": "https://lendb.ai/lo/robin-thompson-148063.json", "lender": { "nmls_id": 2229, "name": "Union Home Mortgage", "canonical_url": "https://lendb.ai/lender/union-home-mortgage-2229", "type": "imb" }, "branch": { "city": "Saint Clair", "state": "MI" }, "licensed_states": [ "IL", "MI", "OH" ], "licenses": [ { "state": "IL", "confidence": "lender_reported" }, { "state": "MI", "confidence": "lender_reported" }, { "state": "OH", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "new-construction", "evidence": "lender_page_text" }, { "slug": "usda", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "self-employed", "evidence": "lender_page_text" } ], "years_licensed": 9, "licensed_since": { "year": 2017, "state": "FL" }, "years_experience": 15, "lender_profile_url": "https://www.uhm.com/loan-officers/robin-thompson/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Jumbo loan on lender page (lender page, verified 2026-10-09)", "Office in Saint Clair, MI", "MI listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2017 (per Florida records)", "States 15 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/robin-thompson-148063", "license_check": { "state": "MI", "confidence": "lender_reported", "eligible": true, "label": "MI 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/robin-thompson/" }, "match_status": "exact", "matched_specialties": [ "jumbo" ], "unconfirmed_specialties": [] }, { "rank": 3, "score": 59.8, "loan_officer": { "nmls_id": 491678, "slug": "jose-magallanes-491678", "full_name": "Joe Magallanes", "canonical_url": "https://lendb.ai/lo/jose-magallanes-491678", "json_url": "https://lendb.ai/lo/jose-magallanes-491678.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Newport Beach", "state": "CA" }, "licensed_states": [ "FL", "AR", "AZ", "CA", "CO", "CT", "GA", "IL", "KY", "MA", "MD", "MI", "NC", "NJ", "NM", "NV", "NY", "OH", "OK", "OR", "PA", "TN", "TX", "VA", "WA", "WV" ], "licenses": [ { "state": "AR", "confidence": "lender_reported" }, { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "lender_reported" }, { "state": "CO", "confidence": "lender_reported" }, { "state": "CT", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "IL", "confidence": "lender_reported" }, { "state": "KY", "confidence": "lender_reported" }, { "state": "MA", "confidence": "lender_reported" }, { "state": "MD", "confidence": "lender_reported" }, { "state": "MI", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "NJ", "confidence": "lender_reported" }, { "state": "NM", "confidence": "lender_reported" }, { "state": "NV", "confidence": "lender_reported" }, { "state": "NY", "confidence": "lender_reported" }, { "state": "OH", "confidence": "lender_reported" }, { "state": "OK", "confidence": "lender_reported" }, { "state": "OR", "confidence": "lender_reported" }, { "state": "PA", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" }, { "state": "WV", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "non-qm", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "self-employed", "evidence": "lender_page_text" } ], "years_licensed": 3, "licensed_since": { "year": 2023, "state": "FL" }, "years_experience": 20, "lender_profile_url": "https://crosscountrymortgage.com/newport-beach-ca-4169/jose-magallanes/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Jumbo loan on lender page (lender page, verified 2026-10-09)", "MI listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2023 (per Florida records)", "States 20 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/jose-magallanes-491678", "license_check": { "state": "MI", "confidence": "lender_reported", "eligible": true, "label": "MI 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/newport-beach-ca-4169/jose-magallanes/" }, "match_status": "exact", "matched_specialties": [ "jumbo" ], "unconfirmed_specialties": [] }, { "rank": 4, "score": 59.5, "loan_officer": { "nmls_id": 23396, "slug": "robert-white-23396", "full_name": "Bob White", "canonical_url": "https://lendb.ai/lo/robert-white-23396", "json_url": "https://lendb.ai/lo/robert-white-23396.json", "lender": { "nmls_id": 399798, "name": "JPMorgan Chase Bank (Chase Home Lending)", "canonical_url": "https://lendb.ai/lender/chase-399798", "type": "bank" }, "branch": { "city": "West Bloomfield", "state": "MI" }, "licensed_states": [ "MI" ], "licenses": [ { "state": "MI", "confidence": "lender_reported" } ], "federal_registration_likely": true, "languages": [], "specialties": [ { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" } ], "years_licensed": 15, "licensed_since": { "year": 2011, "state": "FL" }, "years_experience": null, "lender_profile_url": "https://homelendingadvisor.chase.com/mi/west-bloomfield/6920-orchard-lake-rd-hla-23396", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Jumbo loan on lender page (lender page, verified 2026-10-09)", "Office in West Bloomfield, MI", "MI listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2011 (per Florida records)" ], "canonical_url": "https://lendb.ai/lo/robert-white-23396", "license_check": { "state": "MI", "confidence": "lender_reported", "eligible": true, "label": "MI listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://homelendingadvisor.chase.com/mi/west-bloomfield/6920-orchard-lake-rd-hla-23396" }, "match_status": "exact", "matched_specialties": [ "jumbo" ], "unconfirmed_specialties": [] }, { "rank": 5, "score": 57.8, "loan_officer": { "nmls_id": 724190, "slug": "mark-lyman-724190", "full_name": "Mark Lyman", "canonical_url": "https://lendb.ai/lo/mark-lyman-724190", "json_url": "https://lendb.ai/lo/mark-lyman-724190.json", "lender": { "nmls_id": 2184, "name": "Embrace Home Loans", "canonical_url": "https://lendb.ai/lender/embrace-home-loans-2184", "type": "imb" }, "branch": { "city": "Rockville", "state": "MD" }, "licensed_states": [ "FL", "CO", "CA", "DC", "DE", "MD", "ME", "MI", "NY", "VA", "WV" ], "licenses": [ { "state": "CA", "confidence": "lender_reported" }, { "state": "CO", "confidence": "confirmed" }, { "state": "DC", "confidence": "lender_reported" }, { "state": "DE", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "MD", "confidence": "lender_reported" }, { "state": "ME", "confidence": "lender_reported" }, { "state": "MI", "confidence": "lender_reported" }, { "state": "NY", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" }, { "state": "WV", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "jumbo", "evidence": "lender_page_text" } ], "years_licensed": 0, "licensed_since": { "year": 2026, "state": "CO" }, "years_experience": 22, "lender_profile_url": "https://www.embracehomeloans.com/location/maryland/rockville/mark-lyman", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Jumbo loan on lender page (lender page, verified 2026-10-09)", "MI listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2026 (per Colorado records)", "States 22 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/mark-lyman-724190", "license_check": { "state": "MI", "confidence": "lender_reported", "eligible": true, "label": "MI listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://www.embracehomeloans.com/location/maryland/rockville/mark-lyman" }, "match_status": "exact", "matched_specialties": [ "jumbo" ], "unconfirmed_specialties": [] }, { "rank": 6, "score": 56.3, "loan_officer": { "nmls_id": 453437, "slug": "dennis-gamalinda-453437", "full_name": "Dennis Gamalinda", "canonical_url": "https://lendb.ai/lo/dennis-gamalinda-453437", "json_url": "https://lendb.ai/lo/dennis-gamalinda-453437.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": [ "MI", "CA" ], "licenses": [ { "state": "CA", "confidence": "lender_reported" }, { "state": "MI", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "reverse", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" } ], "years_licensed": 3, "licensed_since": { "year": 2023, "state": "FL" }, "years_experience": 35, "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/dennis-gamalinda-453437", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Jumbo loan on lender page (lender page, verified 2026-10-09)", "MI listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2023 (per Florida records)", "States 35 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/dennis-gamalinda-453437", "license_check": { "state": "MI", "confidence": "lender_reported", "eligible": true, "label": "MI 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/dennis-gamalinda-453437" }, "match_status": "exact", "matched_specialties": [ "jumbo" ], "unconfirmed_specialties": [] }, { "rank": 7, "score": 54.8, "loan_officer": { "nmls_id": 137749, "slug": "brenda-brosnan-137749", "full_name": "Brenda Brosnan", "canonical_url": "https://lendb.ai/lo/brenda-brosnan-137749", "json_url": "https://lendb.ai/lo/brenda-brosnan-137749.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Bloomfield Hills", "state": "MI" }, "licensed_states": [ "MI" ], "licenses": [ { "state": "MI", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": 30, "lender_profile_url": "https://crosscountrymortgage.com/bloomfield-hills-mi-2322/brenda-brosnan/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Jumbo loan on lender page (lender page, verified 2026-10-09)", "Office in Bloomfield Hills, MI", "MI listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "States 30 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/brenda-brosnan-137749", "license_check": { "state": "MI", "confidence": "lender_reported", "eligible": true, "label": "MI 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/bloomfield-hills-mi-2322/brenda-brosnan/" }, "match_status": "exact", "matched_specialties": [ "jumbo" ], "unconfirmed_specialties": [] }, { "rank": 8, "score": 54.8, "loan_officer": { "nmls_id": 170373, "slug": "aelene-vanderveen-170373", "full_name": "Aelene Vanderveen", "canonical_url": "https://lendb.ai/lo/aelene-vanderveen-170373", "json_url": "https://lendb.ai/lo/aelene-vanderveen-170373.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Plymouth", "state": "MI" }, "licensed_states": [ "MI" ], "licenses": [ { "state": "MI", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": 20, "lender_profile_url": "https://crosscountrymortgage.com/plymouth-mi-2306/aelene-vanderveen/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Jumbo loan on lender page (lender page, verified 2026-10-09)", "Office in Plymouth, MI", "MI listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "States 20 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/aelene-vanderveen-170373", "license_check": { "state": "MI", "confidence": "lender_reported", "eligible": true, "label": "MI 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/plymouth-mi-2306/aelene-vanderveen/" }, "match_status": "exact", "matched_specialties": [ "jumbo" ], "unconfirmed_specialties": [] }, { "rank": 9, "score": 54.8, "loan_officer": { "nmls_id": 1473179, "slug": "alexis-varga-1473179", "full_name": "Alexis Varga", "canonical_url": "https://lendb.ai/lo/alexis-varga-1473179", "json_url": "https://lendb.ai/lo/alexis-varga-1473179.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", "CA", "CO", "GA", "IL", "IN", "KY", "MI", "OH", "OR", "PA", "TN" ], "licenses": [ { "state": "CA", "confidence": "lender_reported" }, { "state": "CO", "confidence": "confirmed" }, { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "IL", "confidence": "lender_reported" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "KY", "confidence": "lender_reported" }, { "state": "MI", "confidence": "lender_reported" }, { "state": "OH", "confidence": "lender_reported" }, { "state": "OR", "confidence": "lender_reported" }, { "state": "PA", "confidence": "confirmed" }, { "state": "TN", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "usda", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": 10, "licensed_since": { "year": 2016, "state": "CO" }, "years_experience": 10, "lender_profile_url": "https://crosscountrymortgage.com/chicago-il-3051/alexis-varga/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Jumbo loan on lender page (lender page, verified 2026-10-09)", "MI listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2016 (per Colorado records)", "States 10 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/alexis-varga-1473179", "license_check": { "state": "MI", "confidence": "lender_reported", "eligible": true, "label": "MI 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-3051/alexis-varga/" }, "match_status": "exact", "matched_specialties": [ "jumbo" ], "unconfirmed_specialties": [] }, { "rank": 10, "score": 54.3, "loan_officer": { "nmls_id": 1190420, "slug": "jackson-thomas-1190420", "full_name": "Jackson Thomas", "canonical_url": "https://lendb.ai/lo/jackson-thomas-1190420", "json_url": "https://lendb.ai/lo/jackson-thomas-1190420.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Dallas", "state": "TX" }, "licensed_states": [ "FL", "AR", "AZ", "CA", "CO", "GA", "KS", "LA", "MA", "MI", "MO", "MS", "NC", "NE", "NM", "NV", "OK", "OR", "SC", "TX", "VA" ], "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": "KS", "confidence": "lender_reported" }, { "state": "LA", "confidence": "lender_reported" }, { "state": "MA", "confidence": "lender_reported" }, { "state": "MI", "confidence": "lender_reported" }, { "state": "MO", "confidence": "lender_reported" }, { "state": "MS", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "NE", "confidence": "lender_reported" }, { "state": "NM", "confidence": "lender_reported" }, { "state": "NV", "confidence": "lender_reported" }, { "state": "OK", "confidence": "lender_reported" }, { "state": "OR", "confidence": "lender_reported" }, { "state": "SC", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "years_licensed": 9, "licensed_since": { "year": 2017, "state": "CO" }, "years_experience": null, "lender_profile_url": "https://crosscountrymortgage.com/dallas-tx-3365/jackson-thomas/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Jumbo loan on lender page (lender page, verified 2026-10-09)", "MI 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/ben-valin-2574019", "license_check": { "state": "MI", "confidence": "lender_reported", "eligible": true, "label": "MI listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://homelendingadvisor.chase.com/mi/roseville/20795-e-13-mile-rd-hla-2574019" }, "match_status": "exact", "matched_specialties": [ "jumbo" ], "unconfirmed_specialties": [] }, { "rank": 13, "score": 51.8, "loan_officer": { "nmls_id": 193680, "slug": "john-noldan-193680", "full_name": "John Noldan", "canonical_url": "https://lendb.ai/lo/john-noldan-193680", "json_url": "https://lendb.ai/lo/john-noldan-193680.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Elmhurst", "state": "IL" }, "licensed_states": [ "FL", "CO", "AR", "AZ", "CA", "GA", "IA", "IL", "IN", "KY", "MA", "ME", "MI", "MN", "MO", "NC", "OH", "PA", "TN", "TX", "VT", "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": "KY", "confidence": "lender_reported" }, { "state": "MA", "confidence": "lender_reported" }, { "state": "ME", "confidence": "lender_reported" }, { "state": "MI", "confidence": "lender_reported" }, { "state": "MN", "confidence": "lender_reported" }, { "state": "MO", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "OH", "confidence": "lender_reported" }, { "state": "PA", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" }, { "state": "VT", "confidence": "lender_reported" }, { "state": "WI", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "jumbo", "evidence": "lender_page_text" } ], "years_licensed": 5, "licensed_since": { "year": 2021, "state": "FL" }, "years_experience": 25, "lender_profile_url": "https://crosscountrymortgage.com/elmhurst-il-5190/john-noldan/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Jumbo loan on lender page (lender page, verified 2026-10-09)", "MI listed on their lender page (not yet checked with the state regulator; 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verify at NMLS)", "Licensed since 2025 (per Florida records)" ], "canonical_url": "https://lendb.ai/lo/john-ortega-461624", "license_check": { "state": "MI", "confidence": "lender_reported", "eligible": true, "label": "MI listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://www.churchillmortgage.com/loan-officers/john-ortega" }, "match_status": "exact", "matched_specialties": [ "jumbo" ], "unconfirmed_specialties": [] }, { "rank": 25, "score": 49.8, "loan_officer": { "nmls_id": 188831, "slug": "michael-mizrahi-188831", "full_name": "Michael Mizrahi", "canonical_url": "https://lendb.ai/lo/michael-mizrahi-188831", "json_url": "https://lendb.ai/lo/michael-mizrahi-188831.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Delray Beach", "state": "FL" }, "licensed_states": [ "FL", "AK", "AL", "AR", "AZ", "CA", "CO", "CT", "DC", "DE", "GA", "HI", "IA", "ID", "IL", "IN", "KS", "KY", "LA", "MA", "MD", "ME", "MI", "MN", "MO", "MS", "MT", "NC", "ND", "NE", "NH", "NJ", "NM", "NV", "NY", "OH", "OK", "OR", "PA", "RI", "SC", "SD", "TN", "TX", "UT", "VA", "VT", "WA", "WI", "WV", "WY" ], "licenses": [ { "state": "AK", "confidence": "lender_reported" }, { "state": "AL", "confidence": "lender_reported" }, { "state": "AR", "confidence": "lender_reported" }, { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "lender_reported" }, { "state": "CO", "confidence": "confirmed" }, { "state": "CT", "confidence": "lender_reported" }, { "state": "DC", "confidence": "lender_reported" }, { "state": "DE", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "HI", "confidence": "lender_reported" }, { "state": "IA", "confidence": "lender_reported" }, { "state": "ID", "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": "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": "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": "NH", "confidence": "lender_reported" }, { "state": "NJ", "confidence": "lender_reported" }, { "state": "NM", "confidence": "lender_reported" }, { "state": "NV", "confidence": "lender_reported" }, { "state": "NY", "confidence": "lender_reported" }, { "state": "OH", "confidence": "lender_reported" }, { "state": "OK", "confidence": "lender_reported" }, { "state": "OR", "confidence": "lender_reported" }, { "state": "PA", "confidence": "confirmed" }, { "state": "RI", "confidence": "lender_reported" }, { "state": "SC", "confidence": "lender_reported" }, { "state": "SD", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" }, { "state": "UT", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" }, { "state": "VT", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" }, { "state": "WI", "confidence": "lender_reported" }, { "state": "WV", "confidence": "lender_reported" }, { "state": "WY", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "non-qm", "evidence": "lender_page_text" } ], "years_licensed": 16, "licensed_since": { "year": 2010, "state": "FL" }, "years_experience": null, "lender_profile_url": "https://crosscountrymortgage.com/delray-beach-fl-3726/michael-mizrahi/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Jumbo loan on lender page (lender page, verified 2026-10-09)", "MI listed on their lender page (not yet checked with the state regulator; 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