Borrower situations · Michigan
Loan officers for homeowners who are refinancing in Michigan
As of 2026-10-26, LenDb lists 120 loan officers licensed in or based in Michigan whose lender pages show Refinance work. The top-ranked are James Conley (CrossCountry Mortgage, Columbia), Mike Schuster (CrossCountry Mortgage, Columbia) and Bill White (CrossCountry Mortgage, Cincinnati). Ranking is lender-neutral: specialty evidence first, then a license in MI, branch location, experience and profile completeness. Nobody pays for placement.
Last verified . Sources: lender loan officer pages and state license records. Licenses: check NMLS Consumer Access.
Ranked, with reasons · top 25
- 1
James ConleyNMLS 2026522
CrossCountry Mortgage · Columbia, MD · licensed in 13 states
- Refinance
- FHA loan
- First-time buyer
- MI listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Earliest state license record: August 3, 2022 (Wisconsin), per state regulator
- States 6 years of experience (lender page, 2026-10-26)
- 2
Mike SchusterNMLS 1980879
CrossCountry Mortgage · Columbia, MD · licensed in 22 states
- Refinance
- FHA loan
- VA loan
- First-time buyer
- MI listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Earliest state license record: April 26, 2021 (Illinois), per state regulator
- 3
Bill WhiteNMLS 2268018
CrossCountry Mortgage · Cincinnati, OH · licensed in 15 states
- Refinance
- HELOC
- FHA loan
- First-time buyer
- MI listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Earliest state license record: December 13, 2021 (Illinois), per state regulator
- 4
Eric RasoNMLS 457108
CMG Home Loans · Tempe, AZ · licensed in 40 states
- Refinance
- 2 to 4 unit property
- Low credit score
- Non-QM loan
- MI listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-20)
- Earliest state license record: August 27, 2014 (Colorado), per state regulator
- States 20 years of experience (lender page, 2026-10-20)
- 5
Devin HarrisNMLS 2848186
Lower · Columbus, OH · licensed in 7 states
- Refinance
- MI listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Focus: Refinance (from their bio on their lender page, verified 2026-10-21)
- Earliest state license record: August 5, 2026 (California), per state regulator
- 6
Lindsay WitterNMLS 700709
American Pacific Mortgage · Roseville, CA · licensed in 39 states
- Refinance
- Condo
- Down payment assistance
- FHA loan
- MI listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-20)
- Earliest state license record: January 26, 2012 (Oregon), per state regulator
- 7
Steve BloomNMLS 130998
A & N Mortgage Services, Inc. · Chicago, IL · licensed in 9 states
- Refinance
- Real estate investor
- MI listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-21)
- Earliest state license record: October 10, 2006 (Illinois), per state regulator
- 8
Ron HaddadNMLS 204443
Union Home Mortgage · Arlington Heights, IL · licensed in 8 states
- Refinance
- Down payment assistance
- Vacation home
- MI listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Earliest state license record: June 23, 2005 (Illinois), per state regulator
- States 20 years of experience (lender page, 2026-10-14)
- 9
Jason FoxNMLS 179208
NFM Lending · Frederick, MD · licensed in 18 states
- Refinance
- Vacation home
- Bank statement loan
- DSCR loan
- MI listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-20)
- Earliest state license record: August 23, 2016 (California), per state regulator
- 10
Benjamin WilliamsNMLS 1025173
Guild Mortgage · San Diego, CA · licensed in 45 states
- Refinance
- MI listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Earliest state license record: June 4, 2013 (Oregon), per state regulator
- 11
Mark YoumagulNMLS 319143
Barrett Financial Group · Mortgage broker · Chandler, AZ · licensed in 20 states
- Refinance
- MI listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-20)
- Earliest state license record: July 27, 2010 (California), per state regulator
- 12
Tom HotterNMLS 1840776
Thompson Kane & Company, Inc. · licensed in 10 states
- Refinance
- First-time buyer
- MI listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-22)
- Earliest state license record: April 30, 2019 (Wisconsin), per state regulator
- States 20 years of experience (lender page, 2026-10-22)
- 13
Ron LuttrullNMLS 274181
Guild Mortgage · San Diego, CA · licensed in 44 states
- Refinance
- MI listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Earliest state license record: May 19, 2010 (California), per state regulator
- States 20 years of experience (lender page, 2026-10-19)
- 14
Andy PriceNMLS 175742
Price Mortgage · Mortgage broker · licensed in 30 states
- Refinance
- MI listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-21)
- Earliest state license record: March 16, 2017 (California), per state regulator
- States 15 years of experience (lender page, 2026-10-21)
- 15
Aelene VanderveenNMLS 170373
CrossCountry Mortgage · Plymouth, MI
- Refinance
- Jumbo loan
- VA loan
- FHA loan
- MI listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-22)
- Office in Plymouth, MI
- States 20 years of experience (lender page, 2026-10-22)
- 16
Vanessa KeyesNMLS 175468
CrossCountry Mortgage · Ann Arbor, MI · licensed in 2 states
- Refinance
- FHA loan
- First-time buyer
- MI listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Office in Ann Arbor, MI
- Earliest state license record: July 19, 2005 (Illinois), per state regulator
- States 18 years of experience (lender page, 2026-10-26)
- 17
Sandee LutzNMLS 533656
CrossCountry Mortgage · Romeo, MI · licensed in 29 states
- Refinance
- Renovation loan (203k / HomeStyle)
- MI listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-22)
- Office in Romeo, MI
- Earliest state license record: April 2, 2018 (Wisconsin), per state regulator
- States 20 years of experience (lender page, 2026-10-22)
- 18
Rick RichterNMLS 46372
CrossCountry Mortgage · Ann Arbor, MI · licensed in 6 states
- Refinance
- Down payment assistance
- FHA loan
- First-time buyer
- MI listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-22)
- Office in Ann Arbor, MI
- Earliest state license record: October 24, 2007 (Texas), per state regulator
- 19
Traci AndersonNMLS 178289
CrossCountry Mortgage · Plymouth, MI
- Refinance
- Down payment assistance
- Non-QM loan
- First-time buyer
- MI listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-22)
- Office in Plymouth, MI
- States 17 years of experience (lender page, 2026-10-22)
- 20
Sarah PichardoNMLS 229120
CMG Home Loans · Fairfax, VA · licensed in 39 states
- Refinance
- MI listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-20)
- Earliest state license record: August 15, 2022 (Florida), per state regulator
- 21
Bruce O'KronleyNMLS 30743
CrossCountry Mortgage · Southfield, MI · licensed in 30 states
- Refinance
- FHA loan
- First-time buyer
- MI listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Office in Southfield, MI
- Earliest state license record: January 18, 2008 (Illinois), per state regulator
- 22
David DakoskeNMLS 584779
CrossCountry Mortgage · Grand Rapids, MI · licensed in 3 states
- Refinance
- FHA loan
- First-time buyer
- MI listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Office in Grand Rapids, MI
- Earliest state license record: August 3, 2011 (Illinois), per state regulator
- 23
Noah KemlerNMLS 1283422
CrossCountry Mortgage · Lansing, MI
- Refinance
- FHA loan
- First-time buyer
- MI listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-22)
- Office in Lansing, MI
- Earliest state license record: March 25, 2015 (Wisconsin), per state regulator
- 24
Jamie DerringerNMLS 1399263
CrossCountry Mortgage · Ann Arbor, MI · licensed in 3 states
- Refinance
- Non-QM loan
- Down payment assistance
- FHA loan
- MI listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Office in Ann Arbor, MI
- Earliest state license record: October 10, 2016 (Iowa), per state regulator
- 25
Charity AndersonNMLS 1472651
CrossCountry Mortgage · Traverse City, MI
- Refinance
- Jumbo loan
- VA loan
- MI listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Office in Traverse City, MI
- Earliest state license record: August 3, 2018 (Florida), per state regulator
Before you choose
Whether a refinance pays off depends on closing costs, how long you keep the loan and the new rate; cash-out and buyout refinances have their own equity, seasoning and title rules.
- What are my total closing costs, and how many months until the lower payment pays them back?
- Can I take cash out, and how much equity do I need to keep?
- If I am buying out a former spouse or co-owner, what does the divorce decree or agreement need to say?
How this list is ranked
Specialty evidence carries the most weight (production data, then lender page, then self-reported). Loan officers are listed when a MI license is confirmed with the state regulator (check mark), MI is listed on their lender page, or they work at a bank or credit union (likely federally registered; verify at NMLS). Then branch location, experience (the earliest state license record in the regulator rosters we hold, or years the loan officer states) and profile completeness. Disciplinary history is not yet checked by LenDb; verify at NMLS Consumer Access. No paid placement. Methodology.
Same list as JSON: /api/v1/loan-officers?specialty=refinance&state=MI. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.