{ "canonical_url": "https://lendb.ai/s/non-qm/michigan", "summary": "As of 2026-10-09, LenDb lists 56 loan officers licensed in or based in Michigan whose lender pages show Non-QM loan work. The top-ranked are Joe Magallanes (CrossCountry Mortgage, Newport Beach), Eric Gasper (CrossCountry Mortgage, Mineola) and Jon Novetske (CrossCountry Mortgage, Ann Arbor). Ranking is lender-neutral: specialty evidence first, then a license in MI, branch location, experience and profile completeness. Nobody pays for placement.", "specialty": "non-qm", "state": "MI", "total": 56, "last_verified": "2026-10-09", "results": [ { "rank": 1, "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 Non-QM 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": [ "non-qm" ], "unconfirmed_specialties": [] }, { "rank": 2, "score": 57.8, "loan_officer": { "nmls_id": 175852, "slug": "eric-gasper-175852", "full_name": "Eric Gasper", "canonical_url": "https://lendb.ai/lo/eric-gasper-175852", "json_url": "https://lendb.ai/lo/eric-gasper-175852.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Mineola", "state": "NY" }, "licensed_states": [ "FL", "CO", "CA", "CT", "DC", "DE", "IL", "MA", "ME", "MI", "NH", "NJ", "NY", "OH", "OR", "PA", "TX", "VA" ], "licenses": [ { "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": "IL", "confidence": "lender_reported" }, { "state": "MA", "confidence": "lender_reported" }, { "state": "ME", "confidence": "lender_reported" }, { "state": "MI", "confidence": "lender_reported" }, { "state": "NH", "confidence": "lender_reported" }, { "state": "NJ", "confidence": "lender_reported" }, { "state": "NY", "confidence": "lender_reported" }, { "state": "OH", "confidence": "lender_reported" }, { "state": "OR", "confidence": "lender_reported" }, { "state": "PA", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "non-qm", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "self-employed", "evidence": "lender_page_text" } ], "years_licensed": 16, "licensed_since": { "year": 2010, "state": "CO" }, "years_experience": null, "lender_profile_url": "https://crosscountrymortgage.com/mineola-ny-4750/eric-gasper/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Non-QM 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 2010 (per Colorado records)" ], "canonical_url": "https://lendb.ai/lo/eric-gasper-175852", "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/mineola-ny-4750/eric-gasper/" }, "match_status": "exact", "matched_specialties": [ "non-qm" ], "unconfirmed_specialties": [] }, { "rank": 3, "score": 53.8, "loan_officer": { "nmls_id": 580793, "slug": "jon-novetske-580793", "full_name": "Jon Novetske", "canonical_url": "https://lendb.ai/lo/jon-novetske-580793", "json_url": "https://lendb.ai/lo/jon-novetske-580793.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Ann Arbor", "state": "MI" }, "licensed_states": [ "IL", "MI" ], "licenses": [ { "state": "IL", "confidence": "lender_reported" }, { "state": "MI", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "non-qm", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": 18, "lender_profile_url": "https://crosscountrymortgage.com/ann-arbor-mi-2315/jonathan-novetske/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Non-QM loan on lender page (lender page, verified 2026-10-09)", "Office in Ann Arbor, MI", "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/jon-novetske-580793", "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/ann-arbor-mi-2315/jonathan-novetske/" }, "match_status": "exact", "matched_specialties": [ "non-qm" ], "unconfirmed_specialties": [] }, { "rank": 4, "score": 53.3, "loan_officer": { "nmls_id": 178289, "slug": "traci-anderson-178289", "full_name": "Traci Anderson", "canonical_url": "https://lendb.ai/lo/traci-anderson-178289", "json_url": "https://lendb.ai/lo/traci-anderson-178289.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": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "non-qm", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": 17, "lender_profile_url": "https://crosscountrymortgage.com/plymouth-mi-2306/traci-anderson/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Non-QM 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 17 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/traci-anderson-178289", "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/traci-anderson/" }, "match_status": "exact", "matched_specialties": [ "non-qm" ], "unconfirmed_specialties": [] }, { "rank": 5, "score": 53.3, "loan_officer": { "nmls_id": 1399263, "slug": "jameson-derringer-1399263", "full_name": "Jamie Derringer", "canonical_url": "https://lendb.ai/lo/jameson-derringer-1399263", "json_url": "https://lendb.ai/lo/jameson-derringer-1399263.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Ann Arbor", "state": "MI" }, "licensed_states": [ "FL", "AZ", "MI" ], "licenses": [ { "state": "AZ", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "MI", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "non-qm", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": 1, "licensed_since": { "year": 2025, "state": "FL" }, "years_experience": null, "lender_profile_url": "https://crosscountrymortgage.com/ann-arbor-mi-2315/jameson-derringer/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Non-QM loan on lender page (lender page, verified 2026-10-09)", "Office in Ann Arbor, MI", "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/jameson-derringer-1399263", "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/ann-arbor-mi-2315/jameson-derringer/" }, "match_status": "exact", "matched_specialties": [ "non-qm" ], "unconfirmed_specialties": [] }, { "rank": 6, "score": 52.8, "loan_officer": { "nmls_id": 611778, "slug": "karen-chiu-611778", "full_name": "Karen Chiu", "canonical_url": "https://lendb.ai/lo/karen-chiu-611778", "json_url": "https://lendb.ai/lo/karen-chiu-611778.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "San Gabriel", "state": "CA" }, "licensed_states": [ "FL", "AL", "AR", "AZ", "CA", "CO", "GA", "IL", "IN", "KY", "LA", "MI", "MO", "NC", "NV", "OH", "PA", "SC", "TN", "TX", "WA" ], "licenses": [ { "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": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "IL", "confidence": "lender_reported" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "KY", "confidence": "lender_reported" }, { "state": "LA", "confidence": "lender_reported" }, { "state": "MI", "confidence": "lender_reported" }, { "state": "MO", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "NV", "confidence": "lender_reported" }, { "state": "OH", "confidence": "lender_reported" }, { "state": "PA", "confidence": "confirmed" }, { "state": "SC", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "condo", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "non-qm", "evidence": "lender_page_text" }, { "slug": "new-construction", "evidence": "lender_page_text" } ], "years_licensed": 6, "licensed_since": { "year": 2020, "state": "CO" }, "years_experience": null, "lender_profile_url": "https://crosscountrymortgage.com/san-gabriel-ca-3255/karen-chiu/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Non-QM 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 2020 (per Colorado records)" ], "canonical_url": "https://lendb.ai/lo/karen-chiu-611778", "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/san-gabriel-ca-3255/karen-chiu/" }, "match_status": "exact", "matched_specialties": [ "non-qm" ], "unconfirmed_specialties": [] }, { "rank": 7, "score": 51.8, "loan_officer": { "nmls_id": 133724, "slug": "roland-gomez-133724", "full_name": "Roland Gomez", "canonical_url": "https://lendb.ai/lo/roland-gomez-133724", "json_url": "https://lendb.ai/lo/roland-gomez-133724.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Orland Park", "state": "IL" }, "licensed_states": [ "FL", "IL", "IN", "MI", "WI" ], "licenses": [ { "state": "FL", "confidence": "confirmed" }, { "state": "IL", "confidence": "lender_reported" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "MI", "confidence": "lender_reported" }, { "state": "WI", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "renovation", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "condo", "evidence": "lender_page_text" }, { "slug": "non-qm", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" } ], "years_licensed": 13, "licensed_since": { "year": 2013, "state": "FL" }, "years_experience": 30, "lender_profile_url": "https://crosscountrymortgage.com/orland-park-il-3245/roland-gomez/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Non-QM 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 2013 (per Florida records)", "States 30 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/roland-gomez-133724", "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/orland-park-il-3245/roland-gomez/" }, "match_status": "exact", "matched_specialties": [ "non-qm" ], "unconfirmed_specialties": [] }, { "rank": 8, "score": 51.8, "loan_officer": { "nmls_id": 292827, "slug": "chad-fallis-292827", "full_name": "Chad Fallis", "canonical_url": "https://lendb.ai/lo/chad-fallis-292827", "json_url": "https://lendb.ai/lo/chad-fallis-292827.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Carmel", "state": "IN" }, "licensed_states": [ "FL", "IN", "MI", "OH" ], "licenses": [ { "state": "FL", "confidence": "confirmed" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "MI", "confidence": "lender_reported" }, { "state": "OH", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "non-qm", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": 7, "licensed_since": { "year": 2019, "state": "FL" }, "years_experience": 22, "lender_profile_url": "https://crosscountrymortgage.com/carmel-in-3809/chad-fallis/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Non-QM 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 2019 (per Florida records)", "States 22 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/chad-fallis-292827", "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/carmel-in-3809/chad-fallis/" }, "match_status": "exact", "matched_specialties": [ "non-qm" ], "unconfirmed_specialties": [] }, { "rank": 9, "score": 51.8, "loan_officer": { "nmls_id": 667835, "slug": "josh-patrick-667835", "full_name": "Josh Patrick", "canonical_url": "https://lendb.ai/lo/josh-patrick-667835", "json_url": "https://lendb.ai/lo/josh-patrick-667835.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": [ "AL", "CA", "CO", "GA", "IA", "IL", "IN", "KS", "KY", "LA", "ME", "MI", "MN", "ND", "SD", "VA", "WI", "WY" ], "licenses": [ { "state": "AL", "confidence": "lender_reported" }, { "state": "CA", "confidence": "lender_reported" }, { "state": "CO", "confidence": "lender_reported" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "IA", "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": "ME", "confidence": "lender_reported" }, { "state": "MI", "confidence": "lender_reported" }, { "state": "MN", "confidence": "lender_reported" }, { "state": "ND", "confidence": "lender_reported" }, { "state": "SD", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" }, { "state": "WI", "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" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": 20, "lender_profile_url": "https://crosscountrymortgage.com/newport-beach-ca-5252/joshua-patrick/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Non-QM 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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