--- canonical_url: https://lendb.ai/s/refinance/michigan last_verified: 2026-10-26 --- # 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. ## Ranked, with reasons 1. **[James Conley](https://lendb.ai/lo/james-conley-2026522)** (NMLS 2026522), CrossCountry Mortgage, Columbia, MD - 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) 2. **[Mike Schuster](https://lendb.ai/lo/michael-schuster-1980879)** (NMLS 1980879), CrossCountry Mortgage, Columbia, MD - 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 3. **[Bill White](https://lendb.ai/lo/william-white-2268018)** (NMLS 2268018), CrossCountry Mortgage, Cincinnati, OH - 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 4. **[Eric Raso](https://lendb.ai/lo/eric-raso-457108)** (NMLS 457108), CMG Home Loans, Tempe, AZ - 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) 5. **[Devin Harris](https://lendb.ai/lo/devin-harris-2848186)** (NMLS 2848186), Lower, Columbus, OH - 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 6. **[Lindsay Witter](https://lendb.ai/lo/lindsay-witter-700709)** (NMLS 700709), American Pacific Mortgage, Roseville, CA - 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: January 26, 2012 (Oregon), per state regulator 7. **[Steve Bloom](https://lendb.ai/lo/steven-bloom-130998)** (NMLS 130998), A & N Mortgage Services, Inc., Chicago, IL - Lists Refinance on lender page (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: October 10, 2006 (Illinois), per state regulator 8. **[Ron Haddad](https://lendb.ai/lo/ronald-haddad-204443)** (NMLS 204443), Union Home Mortgage, Arlington Heights, IL - 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: June 23, 2005 (Illinois), per state regulator - States 20 years of experience (lender page, 2026-10-14) 9. **[Jason Fox](https://lendb.ai/lo/jason-fox-179208)** (NMLS 179208), NFM Lending, Frederick, MD - 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 23, 2016 (California), per state regulator 10. **[Benjamin Williams](https://lendb.ai/lo/benjamin-williams-1025173)** (NMLS 1025173), Guild Mortgage, San Diego, CA - 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: June 4, 2013 (Oregon), per state regulator 11. **[Mark Youmagul](https://lendb.ai/lo/phelotkhane-youmagul-319143)** (NMLS 319143), Barrett Financial Group, Chandler, AZ - 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: July 27, 2010 (California), per state regulator 12. **[Tom Hotter](https://lendb.ai/lo/thomas-hotter-1840776)** (NMLS 1840776), Thompson Kane & Company, Inc. - Lists Refinance on lender page (lender page, verified 2026-10-22) - MI listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: April 30, 2019 (Wisconsin), per state regulator - States 20 years of experience (lender page, 2026-10-22) 13. **[Ron Luttrull](https://lendb.ai/lo/ronald-luttrull-274181)** (NMLS 274181), Guild Mortgage, San Diego, CA - 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: May 19, 2010 (California), per state regulator - States 20 years of experience (lender page, 2026-10-19) 14. **[Andy Price](https://lendb.ai/lo/william-price-175742)** (NMLS 175742), Price Mortgage - Lists Refinance on lender page (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: March 16, 2017 (California), per state regulator - States 15 years of experience (lender page, 2026-10-21) 15. **[Aelene Vanderveen](https://lendb.ai/lo/aelene-vanderveen-170373)** (NMLS 170373), CrossCountry Mortgage, Plymouth, MI - Lists Refinance on lender page (lender page, verified 2026-10-22) - Office in Plymouth, MI - MI listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 20 years of experience (lender page, 2026-10-22) 16. **[Vanessa Keyes](https://lendb.ai/lo/vanessa-keyes-175468)** (NMLS 175468), CrossCountry Mortgage, Ann Arbor, MI - Lists Refinance on lender page (lender page, verified 2026-10-26) - Office in Ann Arbor, MI - MI listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: July 19, 2005 (Illinois), per state regulator - States 18 years of experience (lender page, 2026-10-26) 17. **[Sandee Lutz](https://lendb.ai/lo/sandra-lutz-533656)** (NMLS 533656), CrossCountry Mortgage, Romeo, MI - Lists Refinance on lender page (lender page, verified 2026-10-22) - Office in Romeo, MI - MI listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: April 2, 2018 (Wisconsin), per state regulator - States 20 years of experience (lender page, 2026-10-22) 18. **[Rick Richter](https://lendb.ai/lo/harry-richter-iii-46372)** (NMLS 46372), CrossCountry Mortgage, Ann Arbor, MI - Lists Refinance on lender page (lender page, verified 2026-10-22) - Office in Ann Arbor, MI - MI listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: October 24, 2007 (Texas), per state regulator 19. **[Traci Anderson](https://lendb.ai/lo/traci-anderson-178289)** (NMLS 178289), CrossCountry Mortgage, Plymouth, MI - Lists Refinance on lender page (lender page, verified 2026-10-22) - 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, 2026-10-22) 20. **[Sarah Pichardo](https://lendb.ai/lo/sarah-pichardo-229120)** (NMLS 229120), CMG Home Loans, Fairfax, VA - 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 15, 2022 (Florida), per state regulator 21. **[Bruce O'Kronley](https://lendb.ai/lo/bruce-o-kronley-30743)** (NMLS 30743), CrossCountry Mortgage, Southfield, MI - Lists Refinance on lender page (lender page, verified 2026-10-26) - Office in Southfield, MI - MI listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: January 18, 2008 (Illinois), per state regulator 22. **[David Dakoske](https://lendb.ai/lo/david-dakoske-584779)** (NMLS 584779), CrossCountry Mortgage, Grand Rapids, MI - Lists Refinance on lender page (lender page, verified 2026-10-26) - Office in Grand Rapids, MI - MI listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: August 3, 2011 (Illinois), per state regulator 23. **[Noah Kemler](https://lendb.ai/lo/noah-kemler-1283422)** (NMLS 1283422), CrossCountry Mortgage, Lansing, MI - Lists Refinance on lender page (lender page, verified 2026-10-22) - Office in Lansing, MI - MI listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: March 25, 2015 (Wisconsin), per state regulator 24. **[Jamie Derringer](https://lendb.ai/lo/jameson-derringer-1399263)** (NMLS 1399263), CrossCountry Mortgage, Ann Arbor, MI - Lists Refinance on lender page (lender page, verified 2026-10-26) - Office in Ann Arbor, MI - MI listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: October 10, 2016 (Iowa), per state regulator 25. **[Charity Anderson](https://lendb.ai/lo/charity-anderson-1472651)** (NMLS 1472651), CrossCountry Mortgage, Traverse City, MI - Lists Refinance on lender page (lender page, verified 2026-10-26) - Office in Traverse City, MI - MI listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: August 3, 2018 (Florida), per state regulator ## Questions to ask - 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? Cite as: LenDb.ai, https://lendb.ai/s/refinance/michigan. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._