{
  "canonical_url": "https://lendb.ai/s/va/michigan",
  "summary": "As of 2026-10-09, LenDb lists 237 loan officers licensed in or based in Michigan whose lender pages show VA loan work. The top-ranked are Todd Barr (Success Mortgage Partners, Plymouth), Jennifer R Heller (Loan Factory) and Jennifer Mantai (Guild Mortgage, Merrillville). Ranking is lender-neutral: specialty evidence first, then a license in MI, branch location, experience and profile completeness. Nobody pays for placement.",
  "specialty": "va",
  "state": "MI",
  "total": 237,
  "last_verified": "2026-10-09",
  "results": [
    {
      "rank": 1,
      "score": 58.8,
      "loan_officer": {
        "nmls_id": 137590,
        "slug": "todd-barr-137590",
        "full_name": "Todd Barr",
        "canonical_url": "https://lendb.ai/lo/todd-barr-137590",
        "json_url": "https://lendb.ai/lo/todd-barr-137590.json",
        "lender": {
          "nmls_id": 130562,
          "name": "Success Mortgage Partners",
          "canonical_url": "https://lendb.ai/lender/success-mortgage-partners-130562"
        },
        "branch": {
          "city": "Plymouth",
          "state": "MI"
        },
        "licensed_states": [
          "MI"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 25,
        "lender_profile_url": "https://www.successmortgagepartners.com/advisor/todd-barr/"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in MI (listed on lender page, verified 2026-10-09)",
        "Branch in Michigan",
        "25 years experience (stated on lender page, 2026-10-09)",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/todd-barr-137590"
    },
    {
      "rank": 2,
      "score": 57.8,
      "loan_officer": {
        "nmls_id": 2375826,
        "slug": "jennifer-r-heller-2375826",
        "full_name": "Jennifer R Heller",
        "canonical_url": "https://lendb.ai/lo/jennifer-r-heller-2375826",
        "json_url": "https://lendb.ai/lo/jennifer-r-heller-2375826.json",
        "lender": {
          "nmls_id": 320841,
          "name": "Loan Factory",
          "canonical_url": "https://lendb.ai/lender/loan-factory-320841"
        },
        "branch": {
          "city": null,
          "state": "MI"
        },
        "licensed_states": [
          "MI"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 20,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/jennifer-r-heller-2375826"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in MI (listed on lender page, verified 2026-10-09)",
        "Branch in Michigan",
        "20 years experience (stated on lender page, 2026-10-09)",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/jennifer-r-heller-2375826"
    },
    {
      "rank": 3,
      "score": 53.8,
      "loan_officer": {
        "nmls_id": 138224,
        "slug": "jennifer-mantai-138224",
        "full_name": "Jennifer Mantai",
        "canonical_url": "https://lendb.ai/lo/jennifer-mantai-138224",
        "json_url": "https://lendb.ai/lo/jennifer-mantai-138224.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274"
        },
        "branch": {
          "city": "Merrillville",
          "state": "IN"
        },
        "licensed_states": [
          "IL",
          "IN",
          "MI"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "dscr",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 23,
        "lender_profile_url": "https://branches.guildmortgage.com/in/merrillville/jennifer-mantai-877-hpjman.html"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in MI (listed on lender page, verified 2026-10-09)",
        "23 years experience (stated on lender page, 2026-10-09)",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/jennifer-mantai-138224"
    },
    {
      "rank": 4,
      "score": 53.3,
      "loan_officer": {
        "nmls_id": 33158,
        "slug": "justin-machak-33158",
        "full_name": "Justin Machak",
        "canonical_url": "https://lendb.ai/lo/justin-machak-33158",
        "json_url": "https://lendb.ai/lo/justin-machak-33158.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029"
        },
        "branch": {
          "city": "Northville",
          "state": "MI"
        },
        "licensed_states": [
          "FL",
          "IN",
          "MI",
          "OH",
          "TX"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 5,
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/northville-mi-4492/justin-machak/"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in MI (listed on lender page, verified 2026-10-09)",
        "Branch in Michigan",
        "5 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/justin-machak-33158"
    },
    {
      "rank": 5,
      "score": 53.3,
      "loan_officer": {
        "nmls_id": 1025953,
        "slug": "christopher-deruischer-1025953",
        "full_name": "Chris DeRuischer",
        "canonical_url": "https://lendb.ai/lo/christopher-deruischer-1025953",
        "json_url": "https://lendb.ai/lo/christopher-deruischer-1025953.json",
        "lender": {
          "nmls_id": 1591,
          "name": "Churchill Mortgage",
          "canonical_url": "https://lendb.ai/lender/churchill-mortgage-1591"
        },
        "branch": {
          "city": "Wyoming",
          "state": "MI"
        },
        "licensed_states": [
          "FL",
          "IN",
          "KS",
          "MI",
          "OH",
          "SC",
          "VA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 5,
        "years_experience": null,
        "lender_profile_url": "https://www.churchillmortgage.com/loan-officers/chris-deruischer"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in MI (listed on lender page, verified 2026-10-09)",
        "Branch in Michigan",
        "5 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/christopher-deruischer-1025953"
    },
    {
      "rank": 6,
      "score": 52.8,
      "loan_officer": {
        "nmls_id": 193246,
        "slug": "kevin-holmes-193246",
        "full_name": "Kevin Holmes",
        "canonical_url": "https://lendb.ai/lo/kevin-holmes-193246",
        "json_url": "https://lendb.ai/lo/kevin-holmes-193246.json",
        "lender": {
          "nmls_id": 2893,
          "name": "NFM Lending",
          "canonical_url": "https://lendb.ai/lender/nfm-lending-2893"
        },
        "branch": {
          "city": "Linthicum",
          "state": "MD"
        },
        "licensed_states": [
          "FL",
          "AL",
          "AR",
          "CA",
          "CO",
          "IA",
          "IL",
          "IN",
          "LA",
          "MD",
          "MI",
          "MN",
          "MO",
          "MS",
          "MT",
          "NC",
          "OH",
          "PA",
          "SC",
          "TN",
          "TX",
          "VA",
          "WI"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 14,
        "years_experience": null,
        "lender_profile_url": "https://nfmlending.com/loanoriginator/kevin-holmes/"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in MI (listed on lender page, verified 2026-10-09)",
        "14 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/kevin-holmes-193246"
    },
    {
      "rank": 7,
      "score": 52.8,
      "loan_officer": {
        "nmls_id": 575649,
        "slug": "sarah-nelson-575649",
        "full_name": "Sarah Nelson",
        "canonical_url": "https://lendb.ai/lo/sarah-nelson-575649",
        "json_url": "https://lendb.ai/lo/sarah-nelson-575649.json",
        "lender": {
          "nmls_id": 2229,
          "name": "Union Home Mortgage",
          "canonical_url": "https://lendb.ai/lender/union-home-mortgage-2229"
        },
        "branch": {
          "city": "East Lansing",
          "state": "MI"
        },
        "licensed_states": [
          "MI"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 4,
        "years_experience": 15,
        "lender_profile_url": "https://www.uhm.com/loan-officers/sarah-nelson/"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in MI (listed on lender page, verified 2026-10-09)",
        "Branch in Michigan",
        "4 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/sarah-nelson-575649"
    },
    {
      "rank": 8,
      "score": 52.3,
      "loan_officer": {
        "nmls_id": 256163,
        "slug": "scott-evans-256163",
        "full_name": "Scott Evans",
        "canonical_url": "https://lendb.ai/lo/scott-evans-256163",
        "json_url": "https://lendb.ai/lo/scott-evans-256163.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029"
        },
        "branch": {
          "city": "San Diego",
          "state": "CA"
        },
        "licensed_states": [
          "FL",
          "AK",
          "AL",
          "AR",
          "AZ",
          "CA",
          "CO",
          "DC",
          "HI",
          "ID",
          "IL",
          "IN",
          "KS",
          "KY",
          "LA",
          "MA",
          "MD",
          "ME",
          "MI",
          "MN",
          "MO",
          "MS",
          "MT",
          "NC",
          "NE",
          "NJ",
          "NM",
          "NV",
          "OH",
          "OR",
          "PA",
          "SC",
          "SD",
          "TN",
          "TX",
          "VA",
          "WA",
          "WI"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 13,
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/san-diego-ca-4018/scott-evans/"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in MI (listed on lender page, verified 2026-10-09)",
        "13 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/scott-evans-256163"
    },
    {
      "rank": 9,
      "score": 52,
      "loan_officer": {
        "nmls_id": 190409,
        "slug": "lori-jule-190409",
        "full_name": "Lori Jule",
        "canonical_url": "https://lendb.ai/lo/lori-jule-190409",
        "json_url": "https://lendb.ai/lo/lori-jule-190409.json",
        "lender": {
          "nmls_id": 643114,
          "name": "Atlantic Coast Mortgage",
          "canonical_url": "https://lendb.ai/lender/atlantic-coast-mortgage-643114"
        },
        "branch": {
          "city": "Fairfax",
          "state": "VA"
        },
        "licensed_states": [
          "FL",
          "AL",
          "AZ",
          "CT",
          "DC",
          "DE",
          "GA",
          "ID",
          "LA",
          "MA",
          "MD",
          "ME",
          "MI",
          "NC",
          "NE",
          "NH",
          "NJ",
          "OH",
          "OK",
          "PA",
          "RI",
          "SC",
          "TN",
          "TX",
          "VA",
          "VT",
          "WV"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 15,
        "years_experience": 20,
        "lender_profile_url": "https://www.atlanticcoastmortgage.com/lo/lori-jule/"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in MI (listed on lender page, verified 2026-10-09)",
        "15 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/lori-jule-190409"
    },
    {
      "rank": 10,
      "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"
        },
        "branch": {
          "city": "Orland Park",
          "state": "IL"
        },
        "licensed_states": [
          "FL",
          "IL",
          "IN",
          "MI",
          "WI"
        ],
        "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": 12,
        "years_experience": 30,
        "lender_profile_url": "https://crosscountrymortgage.com/orland-park-il-3245/roland-gomez/"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in MI (listed on lender page, verified 2026-10-09)",
        "12 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/roland-gomez-133724"
    },
    {
      "rank": 11,
      "score": 51.8,
      "loan_officer": {
        "nmls_id": 518087,
        "slug": "robert-smith-518087",
        "full_name": "Bob Smith",
        "canonical_url": "https://lendb.ai/lo/robert-smith-518087",
        "json_url": "https://lendb.ai/lo/robert-smith-518087.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274"
        },
        "branch": {
          "city": "Stuart",
          "state": "FL"
        },
        "licensed_states": [
          "FL",
          "MI"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 12,
        "years_experience": 20,
        "lender_profile_url": "https://branches.guildmortgage.com/fl/stuart/bob-smith-221-hpbsm.html"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in MI (listed on lender page, verified 2026-10-09)",
        "12 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/robert-smith-518087"
    },
    {
      "rank": 12,
      "score": 51.8,
      "loan_officer": {
        "nmls_id": 1057175,
        "slug": "kristina-hayes-1057175",
        "full_name": "Kristina Hayes",
        "canonical_url": "https://lendb.ai/lo/kristina-hayes-1057175",
        "json_url": "https://lendb.ai/lo/kristina-hayes-1057175.json",
        "lender": {
          "nmls_id": 1591,
          "name": "Churchill Mortgage",
          "canonical_url": "https://lendb.ai/lender/churchill-mortgage-1591"
        },
        "branch": {
          "city": "Irvine",
          "state": "CA"
        },
        "licensed_states": [
          "FL",
          "AL",
          "AR",
          "AZ",
          "CA",
          "CO",
          "CT",
          "GA",
          "IA",
          "ID",
          "IL",
          "IN",
          "KY",
          "MA",
          "MD",
          "MI",
          "MN",
          "NC",
          "ND",
          "OR",
          "PA",
          "TN",
          "VA",
          "WA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 12,
        "years_experience": 35,
        "lender_profile_url": "https://www.churchillmortgage.com/loan-officers/kristina-hayes"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in MI (listed on lender page, verified 2026-10-09)",
        "12 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/kristina-hayes-1057175"
    },
    {
      "rank": 13,
      "score": 51.3,
      "loan_officer": {
        "nmls_id": 40312,
        "slug": "morgan-cowle-40312",
        "full_name": "Morgan Cowle",
        "canonical_url": "https://lendb.ai/lo/morgan-cowle-40312",
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        "years_licensed": null,
        "years_experience": null,
        "lender_profile_url": "https://www.ruoff.com/JulieSammons"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in MI (listed on lender page, verified 2026-10-09)",
        "Branch in Michigan",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/julie-sammons-870309"
    }
  ]
}