{
  "canonical_url": "https://lendb.ai/s/manufactured/michigan",
  "summary": "As of 2026-10-09, LenDb lists 2 loan officers licensed in or based in Michigan whose lender pages show Manufactured home work. The top-ranked are Roy Montero (CrossCountry Mortgage, Honolulu) and Megan Alberts (Guild Mortgage, Cadillac). Ranking is lender-neutral: specialty evidence first, then a license in MI, branch location, experience and profile completeness. Nobody pays for placement.",
  "specialty": "manufactured",
  "state": "MI",
  "total": 2,
  "last_verified": "2026-10-09",
  "results": [
    {
      "rank": 1,
      "score": 53.3,
      "loan_officer": {
        "nmls_id": 351403,
        "slug": "roy-montero-351403",
        "full_name": "Roy Montero",
        "canonical_url": "https://lendb.ai/lo/roy-montero-351403",
        "json_url": "https://lendb.ai/lo/roy-montero-351403.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Honolulu",
          "state": "HI"
        },
        "licensed_states": [
          "FL",
          "CO",
          "AZ",
          "CA",
          "HI",
          "ID",
          "MI",
          "MN",
          "NV",
          "OR",
          "WA"
        ],
        "licenses": [
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "HI",
            "confidence": "lender_reported"
          },
          {
            "state": "ID",
            "confidence": "lender_reported"
          },
          {
            "state": "MI",
            "confidence": "lender_reported"
          },
          {
            "state": "MN",
            "confidence": "lender_reported"
          },
          {
            "state": "NV",
            "confidence": "lender_reported"
          },
          {
            "state": "OR",
            "confidence": "lender_reported"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "manufactured",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 11,
        "licensed_since": {
          "year": 2015,
          "state": "CO"
        },
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/honolulu-hi-3907/roy-montero/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Manufactured home 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 2015 (per Colorado records)"
      ],
      "canonical_url": "https://lendb.ai/lo/roy-montero-351403",
      "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/honolulu-hi-3907/roy-montero/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "manufactured"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 2,
      "score": 44.8,
      "loan_officer": {
        "nmls_id": 1680209,
        "slug": "megan-alberts-1680209",
        "full_name": "Megan Alberts",
        "canonical_url": "https://lendb.ai/lo/megan-alberts-1680209",
        "json_url": "https://lendb.ai/lo/megan-alberts-1680209.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
        },
        "branch": {
          "city": "Cadillac",
          "state": "MI"
        },
        "licensed_states": [
          "MI",
          "OH"
        ],
        "licenses": [
          {
            "state": "MI",
            "confidence": "lender_reported"
          },
          {
            "state": "OH",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "manufactured",
            "evidence": "lender_page_text"
          },
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "licensed_since": null,
        "years_experience": null,
        "lender_profile_url": "https://branches.guildmortgage.com/mi/cadillac/megan-alberts-977-chma.html",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Manufactured home on lender page (lender page, verified 2026-10-09)",
        "Office in Cadillac, MI",
        "MI listed on their lender page (not yet checked with the state regulator; verify at NMLS)"
      ],
      "canonical_url": "https://lendb.ai/lo/megan-alberts-1680209",
      "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://branches.guildmortgage.com/mi/cadillac/megan-alberts-977-chma.html"
      },
      "match_status": "exact",
      "matched_specialties": [
        "manufactured"
      ],
      "unconfirmed_specialties": []
    }
  ]
}