{ "canonical_url": "https://lendb.ai/s/refinance/michigan", "summary": "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.", "specialty": "refinance", "state": "MI", "total": 120, "last_verified": "2026-10-26", "results": [ { "rank": 1, "score": 52, "loan_officer": { "nmls_id": 2026522, "slug": "james-conley-2026522", "full_name": "James Conley", "licensed_names": [ { "name": "James Conley", "name_with_middle_initial": "James F. Conley", "first_name": "James", "middle_initial": "F", "last_name": "Conley", "states": [ "CA", "DE", "FL", "MD", "OR" ], "source": "state_regulator", "as_of": "2026-10-30" } ], "canonical_url": "https://lendb.ai/lo/james-conley-2026522", "json_url": "https://lendb.ai/lo/james-conley-2026522.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "slug": "crosscountry-mortgage-3029", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Columbia", "state": "MD" }, "headshot_url": "https://thevault.ccm.com/asset/e68c2163-72ff-4cf2-be0b-6257dac819af/Website/4469_Conley_2026522.jpg", "licensed_states": [ "FL", "DE", "OR", "CA", "AZ", "DC", "GA", "MD", "MI", "PA", "TN", "VA", "WA" ], "licenses": [ { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "confirmed" }, { "state": "DC", "confidence": "lender_reported" }, { "state": "DE", "confidence": "confirmed" }, { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "MD", "confidence": "confirmed" }, { "state": "MI", "confidence": "lender_reported" }, { "state": "OR", "confidence": "confirmed" }, { "state": "PA", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "refinance", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "lender_offers": [ "condo", "condo-non-warrantable", "construction", "down-payment-assistance", "dscr", "heloc", "investor", "jumbo", "non-qm", "physician", "renovation", "reverse", "rural", "self-employed", "usda", "va" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2022-08-03", "state": "WI" }, "licensed_since": { "year": 2022, "state": "WI" }, "years_experience": 6, "lender_profile_url": "https://crosscountrymortgage.com/columbia-md-4469/james-conley/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-26)", "MI listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: August 3, 2022 (Wisconsin), per state regulator", "States 6 years of experience (lender page, 2026-10-26)" ], "canonical_url": "https://lendb.ai/lo/james-conley-2026522", "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": "2026-10-26", "source_url": "https://crosscountrymortgage.com/columbia-md-4469/james-conley/" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 2, "score": 51.5, "loan_officer": { "nmls_id": 1980879, "slug": "michael-schuster-1980879", "full_name": "Mike Schuster", "licensed_names": [ { "name": "Michael Schuster", "name_with_middle_initial": "Michael H. Schuster", "first_name": "Michael", "middle_initial": "H", "last_name": "Schuster", "states": [ "CA", "CO", "CT", "DE", "FL", "MD", "NY", "PA", "TX", "WY" ], "source": "state_regulator", "as_of": "2026-10-30" }, { "name": "Michael Schuster", "name_with_middle_initial": null, "first_name": "Michael", "middle_initial": null, "last_name": "Schuster", "states": [ "IL" ], "source": "state_regulator", "as_of": "2026-10-27" } ], "canonical_url": "https://lendb.ai/lo/michael-schuster-1980879", "json_url": "https://lendb.ai/lo/michael-schuster-1980879.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "slug": "crosscountry-mortgage-3029", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Columbia", "state": "MD" }, "headshot_url": null, "licensed_states": [ "FL", "CO", "PA", "TX", "CA", "DE", "AZ", "GA", "IL", "IN", "MD", "ME", "MI", "MT", "NC", "SC", "SD", "TN", "VA", "WA", "WV", "WY" ], "licenses": [ { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "confirmed" }, { "state": "CO", "confidence": "confirmed" }, { "state": "DE", "confidence": "confirmed" }, { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "IL", "confidence": "confirmed" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "MD", "confidence": "confirmed" }, { "state": "ME", "confidence": "lender_reported" }, { "state": "MI", "confidence": "lender_reported" }, { "state": "MT", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "PA", "confidence": "confirmed" }, { "state": "SC", "confidence": "lender_reported" }, { "state": "SD", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "TX", "confidence": "confirmed" }, { "state": "VA", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" }, { "state": "WV", "confidence": "lender_reported" }, { "state": "WY", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "refinance", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "heloc", "evidence": "lender_page_text" } ], "lender_offers": [ "condo", "condo-non-warrantable", "construction", "down-payment-assistance", "dscr", "investor", "jumbo", "non-qm", "physician", "renovation", "reverse", "rural", "self-employed", "usda" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2021-04-26", "state": "IL" }, "licensed_since": { "year": 2021, "state": "IL" }, "years_experience": null, "lender_profile_url": "https://crosscountrymortgage.com/columbia-md-4469/michael-schuster/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-26)", "MI listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: April 26, 2021 (Illinois), per state regulator" ], "canonical_url": "https://lendb.ai/lo/michael-schuster-1980879", "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": "2026-10-26", "source_url": "https://crosscountrymortgage.com/columbia-md-4469/michael-schuster/" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 3, "score": 51.5, "loan_officer": { "nmls_id": 2268018, "slug": "william-white-2268018", "full_name": "Bill White", "licensed_names": [ { "name": "William White", "name_with_middle_initial": "William G. White", "first_name": "William", "middle_initial": "G", "last_name": "White", "states": [ "FL", "NY", "TX" ], "source": "state_regulator", "as_of": "2026-10-13" }, { "name": "William White", "name_with_middle_initial": null, "first_name": "William", "middle_initial": null, "last_name": "White", "states": [ "IL", "WI" ], "source": "state_regulator", "as_of": "2026-10-27" } ], "canonical_url": "https://lendb.ai/lo/william-white-2268018", "json_url": "https://lendb.ai/lo/william-white-2268018.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "slug": "crosscountry-mortgage-3029", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Cincinnati", "state": "OH" }, "headshot_url": "https://thevault.ccm.com/asset/72bea30b-7266-419d-aa15-a1865388b78a/Website/2118_White_2268018.jpg", "licensed_states": [ "FL", "TX", "WI", "AL", "GA", "IL", "IN", "KY", "MI", "NC", "OH", "OK", "PA", "SC", "VA" ], "licenses": [ { "state": "AL", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "IL", "confidence": "confirmed" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "KY", "confidence": "lender_reported" }, { "state": "MI", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "OH", "confidence": "lender_reported" }, { "state": "OK", "confidence": "lender_reported" }, { "state": "PA", "confidence": "lender_reported" }, { "state": "SC", "confidence": "lender_reported" }, { "state": "TX", "confidence": "confirmed" }, { "state": "VA", "confidence": "lender_reported" }, { "state": "WI", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "refinance", "evidence": "lender_page_text" }, { "slug": "heloc", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "lender_offers": [ "condo", "condo-non-warrantable", "construction", "down-payment-assistance", "dscr", "investor", "jumbo", "non-qm", "physician", "renovation", "reverse", "rural", "self-employed", "usda", "va" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2021-12-13", "state": "IL" }, "licensed_since": { "year": 2021, "state": "IL" }, "years_experience": null, "lender_profile_url": "https://crosscountrymortgage.com/cincinnati-oh-2118/william-white/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-26)", "MI listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: December 13, 2021 (Illinois), per state regulator" ], "canonical_url": "https://lendb.ai/lo/william-white-2268018", "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": "2026-10-26", "source_url": "https://crosscountrymortgage.com/cincinnati-oh-2118/william-white/" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 4, "score": 51, "loan_officer": { "nmls_id": 457108, "slug": "eric-raso-457108", "full_name": "Eric Raso", "canonical_url": "https://lendb.ai/lo/eric-raso-457108", "json_url": "https://lendb.ai/lo/eric-raso-457108.json", "lender": { "nmls_id": 1820, "name": "CMG Home Loans", "slug": "cmg-home-loans-1820", "canonical_url": "https://lendb.ai/lender/cmg-home-loans-1820", "type": "imb" }, "branch": { "city": "Tempe", "state": "AZ" }, "headshot_url": "https://cloud.cmgfi.com/dvbdysuf5/image/upload/a_exif,f_auto,g_faces,c_thumb,w_250,h_250,z_0.5,r_max/CMG_Web_Resources/LO_Images/Production_12062_Eric_Raso", "licensed_states": [ "FL", "CO", "CT", "DE", "LA", "MO", "PA", "TX", "AL", "AR", "AZ", "CA", "GA", "IA", "ID", "IL", "IN", "KS", "KY", "MA", "MD", "ME", "MI", "MN", "NC", "NH", "NJ", "NM", "NV", "OH", "OK", "OR", "RI", "SC", "SD", "TN", "VA", "VT", "WA", "WI" ], "licenses": [ { "state": "AL", "confidence": "lender_reported" }, { "state": "AR", "confidence": "confirmed" }, { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "confirmed" }, { "state": "CO", "confidence": "confirmed" }, { "state": "CT", "confidence": "confirmed" }, { "state": "DE", "confidence": "confirmed" }, { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "IA", "confidence": "confirmed" }, { "state": "ID", "confidence": "lender_reported" }, { "state": "IL", "confidence": "confirmed" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "KS", "confidence": "lender_reported" }, { "state": "KY", "confidence": "lender_reported" }, { "state": "LA", "confidence": "confirmed" }, { "state": "MA", "confidence": "confirmed" }, { "state": "MD", "confidence": "confirmed" }, { "state": "ME", "confidence": "lender_reported" }, { "state": "MI", "confidence": "lender_reported" }, { "state": "MN", "confidence": "lender_reported" }, { "state": "MO", "confidence": "confirmed" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "NH", "confidence": "lender_reported" }, { "state": "NJ", "confidence": "lender_reported" }, { "state": "NM", "confidence": "lender_reported" }, { "state": "NV", "confidence": "lender_reported" }, { "state": "OH", "confidence": "lender_reported" }, { "state": "OK", "confidence": "lender_reported" }, { "state": "OR", "confidence": "confirmed" }, { "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": "confirmed" }, { "state": "VA", "confidence": "lender_reported" }, { "state": "VT", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" }, { "state": "WI", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "multi-family-2-4", "evidence": "lender_page_text" }, { "slug": "low-credit", "evidence": "lender_page_text" }, { "slug": "non-qm", "evidence": "lender_page_text" }, { "slug": "refinance", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "lender_offers": [ "down-payment-assistance", "first-time-buyer", "heloc", "investor", "jumbo", "new-construction", "renovation", "reverse", "usda" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2014-08-27", "state": "CO" }, "licensed_since": { "year": 2014, "state": "CO" }, "years_experience": 20, "lender_profile_url": "https://www.cmghomeloans.com/mysite/eric-raso", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-20)", "MI listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: August 27, 2014 (Colorado), per state regulator", "States 20 years of experience (lender page, 2026-10-20)" ], "canonical_url": "https://lendb.ai/lo/eric-raso-457108", "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": "2026-10-20", "source_url": "https://www.cmghomeloans.com/mysite/eric-raso" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 5, "score": 48.5, "loan_officer": { "nmls_id": 2848186, "slug": "devin-harris-2848186", "full_name": "Devin Harris", "licensed_names": [ { "name": "Devin Harris", "name_with_middle_initial": "Devin S. Harris", "first_name": "Devin", "middle_initial": "S", "last_name": "Harris", "states": [ "CA" ], "source": "state_regulator", "as_of": "2026-10-22" } ], "canonical_url": "https://lendb.ai/lo/devin-harris-2848186", "json_url": "https://lendb.ai/lo/devin-harris-2848186.json", "lender": { "nmls_id": 1124061, "name": "Lower", "slug": "lower-1124061", "canonical_url": "https://lendb.ai/lender/lower-1124061", "type": "imb" }, "branch": { "city": "Columbus", "state": "OH" }, "headshot_url": "https://www.lower.com/hs-fs/hubfs/airtable-imports/profile-pics/lo-devin-harris.jpg?quality=80&format=webp&width=800&height=800&name=lo-devin-harris.jpg", "licensed_states": [ "CA", "GA", "MI", "NC", "OH", "PA", "WA" ], "licenses": [ { "state": "CA", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "MI", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "OH", "confidence": "lender_reported" }, { "state": "PA", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "refinance", "evidence": "lender_page_text" } ], "lender_offers": [ "fha", "first-time-buyer", "heloc", "investor", "jumbo", "non-qm", "renovation", "usda", "va", "vacation-home" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2026-08-05", "state": "CA" }, "licensed_since": { "year": 2026, "state": "CA" }, "years_experience": null, "lender_profile_url": "https://www.lower.com/loan-officers/ohio/columbus/devin-harris", "disciplinary_check": "not_checked" }, "reasons": [ "Focus: Refinance (from their bio on their lender page, verified 2026-10-21)", "MI listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: August 5, 2026 (California), per state regulator" ], "canonical_url": "https://lendb.ai/lo/devin-harris-2848186", "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": "2026-10-10", "source_url": "https://www.lower.com/loan-officers/ohio/columbus/devin-harris" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 6, "score": 47.3, "loan_officer": { "nmls_id": 700709, "slug": "lindsay-witter-700709", "full_name": "Lindsay Witter", "licensed_names": [ { "name": "Lindsay Witter", "name_with_middle_initial": "Lindsay R. 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