{
  "canonical_url": "https://lendb.ai/s/multi-family-2-4/michigan",
  "summary": "As of 2026-10-09, LenDb lists 2 loan officers licensed in or based in Michigan whose lender pages show 2 to 4 unit property work. The top-ranked are Greg Kohlhagen (Union Home Mortgage, Sandusky) and Amilia Cao (Loan Factory). Ranking is lender-neutral: specialty evidence first, then a license in MI, branch location, experience and profile completeness. Nobody pays for placement.",
  "specialty": "multi-family-2-4",
  "state": "MI",
  "total": 2,
  "last_verified": "2026-10-09",
  "results": [
    {
      "rank": 1,
      "score": 58.8,
      "loan_officer": {
        "nmls_id": 2100313,
        "slug": "greg-kohlhagen-2100313",
        "full_name": "Greg Kohlhagen",
        "canonical_url": "https://lendb.ai/lo/greg-kohlhagen-2100313",
        "json_url": "https://lendb.ai/lo/greg-kohlhagen-2100313.json",
        "lender": {
          "nmls_id": 2229,
          "name": "Union Home Mortgage",
          "canonical_url": "https://lendb.ai/lender/union-home-mortgage-2229",
          "type": "imb"
        },
        "branch": {
          "city": "Sandusky",
          "state": "OH"
        },
        "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": "multi-family-2-4",
            "evidence": "lender_page_text"
          },
          {
            "slug": "mixed-use",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "licensed_since": null,
        "years_experience": 18,
        "lender_profile_url": "https://www.uhm.com/loan-officers/greg-kohlhagen/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists 2 to 4 unit property 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)",
        "States 18 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/greg-kohlhagen-2100313",
      "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/greg-kohlhagen/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "multi-family-2-4"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 2,
      "score": 49.3,
      "loan_officer": {
        "nmls_id": 2424062,
        "slug": "ai-cao-2424062",
        "full_name": "Amilia Cao",
        "canonical_url": "https://lendb.ai/lo/ai-cao-2424062",
        "json_url": "https://lendb.ai/lo/ai-cao-2424062.json",
        "lender": {
          "nmls_id": 320841,
          "name": "Loan Factory",
          "canonical_url": "https://lendb.ai/lender/loan-factory-320841",
          "type": "broker"
        },
        "branch": {
          "city": null,
          "state": "IL"
        },
        "licensed_states": [
          "FL",
          "IL",
          "MI"
        ],
        "licenses": [
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "IL",
            "confidence": "lender_reported"
          },
          {
            "state": "MI",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "multi-family-2-4",
            "evidence": "lender_page_text"
          },
          {
            "slug": "condo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 1,
        "licensed_since": {
          "year": 2025,
          "state": "FL"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/amilia-cao-2424062",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists 2 to 4 unit property 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 2025 (per Florida records)"
      ],
      "canonical_url": "https://lendb.ai/lo/ai-cao-2424062",
      "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.loanfactory.com/mortgage-expert/amilia-cao-2424062"
      },
      "match_status": "exact",
      "matched_specialties": [
        "multi-family-2-4"
      ],
      "unconfirmed_specialties": []
    }
  ]
}