{ "canonical_url": "https://lendb.ai/s/vacation-home/wisconsin", "summary": "As of 2026-10-09, LenDb lists 11 loan officers licensed in or based in Wisconsin whose lender pages show Vacation home work. The top-ranked are Joanna White (Union Home Mortgage, Arlington Heights), Amber Garofalo (CrossCountry Mortgage, White Bear Lake) and Ron Haddad (Union Home Mortgage, Arlington Heights). Ranking is lender-neutral: specialty evidence first, then a license in WI, branch location, experience and profile completeness. Nobody pays for placement.", "specialty": "vacation-home", "state": "WI", "total": 11, "last_verified": "2026-10-09", "results": [ { "rank": 1, "score": 59.8, "loan_officer": { "nmls_id": 404853, "slug": "joanna-white-404853", "full_name": "Joanna White", "canonical_url": "https://lendb.ai/lo/joanna-white-404853", "json_url": "https://lendb.ai/lo/joanna-white-404853.json", "lender": { "nmls_id": 2229, "name": "Union Home Mortgage", "canonical_url": "https://lendb.ai/lender/union-home-mortgage-2229", "type": "imb" }, "branch": { "city": "Arlington Heights", "state": "IL" }, "licensed_states": [ "FL", "IL", "IN", "MO", "WI" ], "licenses": [ { "state": "FL", "confidence": "confirmed" }, { "state": "IL", "confidence": "lender_reported" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "MO", "confidence": "lender_reported" }, { "state": "WI", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "vacation-home", "evidence": "lender_page_text" } ], "years_licensed": 5, "licensed_since": { "year": 2021, "state": "FL" }, "years_experience": 24, "lender_profile_url": "https://www.uhm.com/loan-officers/joanna-white/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Vacation home on lender page (lender page, verified 2026-10-09)", "WI listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2021 (per Florida records)", "States 24 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/joanna-white-404853", "license_check": { "state": "WI", "confidence": "lender_reported", "eligible": true, "label": "WI listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://www.uhm.com/loan-officers/joanna-white/" }, "match_status": "exact", "matched_specialties": [ "vacation-home" ], "unconfirmed_specialties": [] }, { "rank": 2, "score": 52.3, "loan_officer": { "nmls_id": 518359, "slug": "amber-garofalo-518359", "full_name": "Amber Garofalo", "canonical_url": "https://lendb.ai/lo/amber-garofalo-518359", "json_url": "https://lendb.ai/lo/amber-garofalo-518359.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "White Bear Lake", "state": "MN" }, "licensed_states": [ "FL", "CO", "MN", "WI" ], "licenses": [ { "state": "CO", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "MN", "confidence": "lender_reported" }, { "state": "WI", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "vacation-home", "evidence": "lender_page_text" }, { "slug": "construction", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" } ], "years_licensed": 5, "licensed_since": { "year": 2021, "state": "FL" }, "years_experience": null, "lender_profile_url": "https://crosscountrymortgage.com/white-bear-lake-mn-4237/amber-garofalo/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Vacation home on lender page (lender page, verified 2026-10-09)", "WI listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2021 (per Florida records)" ], "canonical_url": "https://lendb.ai/lo/amber-garofalo-518359", "license_check": { "state": "WI", "confidence": "lender_reported", "eligible": true, "label": "WI 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/white-bear-lake-mn-4237/amber-garofalo/" }, "match_status": "exact", "matched_specialties": [ "vacation-home" ], "unconfirmed_specialties": [] }, { "rank": 3, "score": 51.8, "loan_officer": { "nmls_id": 204443, "slug": "ronald-haddad-204443", "full_name": "Ron Haddad", "canonical_url": "https://lendb.ai/lo/ronald-haddad-204443", "json_url": "https://lendb.ai/lo/ronald-haddad-204443.json", "lender": { "nmls_id": 2229, "name": "Union Home Mortgage", "canonical_url": "https://lendb.ai/lender/union-home-mortgage-2229", "type": "imb" }, "branch": { "city": "Arlington Heights", "state": "IL" }, "licensed_states": [ "FL", "AZ", "IL", "IN", "MI", "NC", "VA", "WI" ], "licenses": [ { "state": "AZ", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "IL", "confidence": "lender_reported" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "MI", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" }, { "state": "WI", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "vacation-home", "evidence": "lender_page_text" } ], "years_licensed": 4, "licensed_since": { "year": 2022, "state": "FL" }, "years_experience": 20, "lender_profile_url": "https://www.uhm.com/loan-officers/ron-haddad/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Vacation home on lender page (lender page, verified 2026-10-09)", "WI listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2022 (per Florida records)", "States 20 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/ronald-haddad-204443", "license_check": { "state": "WI", "confidence": "lender_reported", "eligible": true, "label": "WI listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://www.uhm.com/loan-officers/ron-haddad/" }, "match_status": "exact", "matched_specialties": [ "vacation-home" ], "unconfirmed_specialties": [] }, { "rank": 4, "score": 43, "loan_officer": { "nmls_id": 1707121, "slug": "lisa-schilling-hintz-1707121", "full_name": "Lisa Hintz", "canonical_url": "https://lendb.ai/lo/lisa-schilling-hintz-1707121", "json_url": "https://lendb.ai/lo/lisa-schilling-hintz-1707121.json", "lender": { "nmls_id": 399798, "name": "JPMorgan Chase Bank (Chase Home Lending)", "canonical_url": "https://lendb.ai/lender/chase-399798", "type": "bank" }, "branch": { "city": "Pewaukee", "state": "WI" }, "licensed_states": [], "licenses": [], "federal_registration_likely": true, "languages": [], "specialties": [ { "slug": "vacation-home", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "jumbo", "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://homelendingadvisor.chase.com/wi/pewaukee/110-oakton-ave-hla-1707121", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Vacation home on lender page (lender page, verified 2026-10-09)", "Office in Pewaukee, WI", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "Licensed since 2025 (per Florida records)" ], "canonical_url": "https://lendb.ai/lo/lisa-schilling-hintz-1707121", "license_check": { "state": "WI", "confidence": "federal_registration", "eligible": true, "label": "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "verified_at": "2026-10-09", "source_url": null }, "match_status": "exact", "matched_specialties": [ "vacation-home" ], "unconfirmed_specialties": [] }, { "rank": 5, "score": 42.5, "loan_officer": { "nmls_id": 915408, "slug": "charles-j-sindelar-915408", "full_name": "Charles J Sindelar", "canonical_url": "https://lendb.ai/lo/charles-j-sindelar-915408", "json_url": "https://lendb.ai/lo/charles-j-sindelar-915408.json", "lender": { "nmls_id": 399798, "name": "JPMorgan Chase Bank (Chase Home Lending)", "canonical_url": "https://lendb.ai/lender/chase-399798", "type": "bank" }, "branch": { "city": "Brookfield", "state": "WI" }, "licensed_states": [], "licenses": [], "federal_registration_likely": true, "languages": [], "specialties": [ { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "vacation-home", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "self-employed", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": null, "lender_profile_url": "https://homelendingadvisor.chase.com/wi/brookfield/2255-n-calhoun-rd-hla-915408", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Vacation home on lender page (lender page, verified 2026-10-09)", "Office in Brookfield, WI", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS" ], "canonical_url": "https://lendb.ai/lo/charles-j-sindelar-915408", "license_check": { "state": "WI", "confidence": "federal_registration", "eligible": true, "label": "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "verified_at": "2026-10-09", "source_url": null }, "match_status": "exact", "matched_specialties": [ "vacation-home" ], "unconfirmed_specialties": [] }, { "rank": 6, "score": 42.5, "loan_officer": { "nmls_id": 1440788, "slug": "bobby-fisher-1440788", "full_name": "Bobby Fisher", "canonical_url": "https://lendb.ai/lo/bobby-fisher-1440788", "json_url": "https://lendb.ai/lo/bobby-fisher-1440788.json", "lender": { "nmls_id": 399798, "name": "JPMorgan Chase Bank (Chase Home Lending)", "canonical_url": "https://lendb.ai/lender/chase-399798", "type": "bank" }, "branch": { "city": "Oak Creek", "state": "WI" }, "licensed_states": [], "licenses": [], "federal_registration_likely": true, "languages": [], "specialties": [ { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "vacation-home", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": null, "lender_profile_url": "https://homelendingadvisor.chase.com/wi/oak-creek/7980-s-howell-ave-hla-1440788", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Vacation home on lender page (lender page, verified 2026-10-09)", "Office in Oak Creek, WI", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS" ], "canonical_url": "https://lendb.ai/lo/bobby-fisher-1440788", "license_check": { "state": "WI", "confidence": "federal_registration", "eligible": true, "label": "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "verified_at": "2026-10-09", "source_url": null }, "match_status": "exact", "matched_specialties": [ "vacation-home" ], "unconfirmed_specialties": [] }, { "rank": 7, "score": 42.5, "loan_officer": { "nmls_id": 1915576, "slug": "justin-gross-1915576", "full_name": "Justin Gross", "canonical_url": "https://lendb.ai/lo/justin-gross-1915576", "json_url": "https://lendb.ai/lo/justin-gross-1915576.json", "lender": { "nmls_id": 399798, "name": "JPMorgan Chase Bank (Chase Home Lending)", "canonical_url": "https://lendb.ai/lender/chase-399798", "type": "bank" }, "branch": { "city": "Wauwatosa", "state": "WI" }, "licensed_states": [], "licenses": [], "federal_registration_likely": true, "languages": [], "specialties": [ { "slug": "vacation-home", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "self-employed", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": null, "lender_profile_url": "https://homelendingadvisor.chase.com/wi/wauwatosa/7430-w-state-st-hla-1915576", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Vacation home on lender page (lender page, verified 2026-10-09)", "Office in Wauwatosa, WI", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS" ], "canonical_url": "https://lendb.ai/lo/justin-gross-1915576", "license_check": { "state": "WI", "confidence": "federal_registration", "eligible": true, "label": "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "verified_at": "2026-10-09", "source_url": null }, "match_status": "exact", "matched_specialties": [ "vacation-home" ], "unconfirmed_specialties": [] }, { "rank": 8, "score": 42.5, "loan_officer": { "nmls_id": 1978441, "slug": "mandi-stachowiak-1978441", "full_name": "Mandi Stachowiak", "canonical_url": "https://lendb.ai/lo/mandi-stachowiak-1978441", "json_url": "https://lendb.ai/lo/mandi-stachowiak-1978441.json", "lender": { "nmls_id": 399798, "name": "JPMorgan Chase Bank (Chase Home Lending)", "canonical_url": "https://lendb.ai/lender/chase-399798", "type": "bank" }, "branch": { "city": "Waukesha", "state": "WI" }, "licensed_states": [], "licenses": [], "federal_registration_likely": true, "languages": [], "specialties": [ { "slug": "vacation-home", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": null, "lender_profile_url": "https://homelendingadvisor.chase.com/wi/waukesha/2317-fox-run-blvd-hla-1978441", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Vacation home on lender page (lender page, verified 2026-10-09)", "Office in Waukesha, WI", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS" ], "canonical_url": "https://lendb.ai/lo/mandi-stachowiak-1978441", "license_check": { "state": "WI", "confidence": "federal_registration", "eligible": true, "label": "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "verified_at": "2026-10-09", "source_url": null }, "match_status": "exact", "matched_specialties": [ "vacation-home" ], "unconfirmed_specialties": [] }, { "rank": 9, "score": 28.3, "loan_officer": { "nmls_id": 553903, "slug": "stephani-beckman-553903", "full_name": "Stephani Beckman", "canonical_url": "https://lendb.ai/lo/stephani-beckman-553903", "json_url": "https://lendb.ai/lo/stephani-beckman-553903.json", "lender": { "nmls_id": 503941, "name": "First Citizens Bank", "canonical_url": "https://lendb.ai/lender/first-citizens-bank-503941", "type": "bank" }, "branch": { "city": "Wauwatosa", "state": "WI" }, "licensed_states": [ "WI" ], "licenses": [ { "state": "WI", "confidence": "lender_reported" } ], "federal_registration_likely": true, "languages": [], "specialties": [ { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "renovation", "evidence": "lender_page_text" }, { "slug": "construction", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "physician", "evidence": "lender_page_text" }, { "slug": "self-employed", "evidence": "lender_page_text" }, { "slug": "vacation-home", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": 15, "lender_profile_url": "https://bankers.firstcitizens.com/mortgage/wi/wauwatosa/stephani-beckman", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Vacation home on lender page (lender page, verified 2026-10-09)", "Office in Wauwatosa, WI", "WI listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "States 15 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/stephani-beckman-553903", "license_check": { "state": "WI", "confidence": "lender_reported", "eligible": true, "label": "WI listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://bankers.firstcitizens.com/mortgage/wi/wauwatosa/stephani-beckman" }, "match_status": "exact", "matched_specialties": [ "vacation-home" ], "unconfirmed_specialties": [] }, { "rank": 10, "score": 17.8, "loan_officer": { "nmls_id": 65382, "slug": "cody-teal-65382", "full_name": "Cody Teal", "canonical_url": "https://lendb.ai/lo/cody-teal-65382", "json_url": "https://lendb.ai/lo/cody-teal-65382.json", "lender": { "nmls_id": 503941, "name": "First Citizens Bank", "canonical_url": "https://lendb.ai/lender/first-citizens-bank-503941", "type": "bank" }, "branch": { "city": "Wilmington", "state": "NC" }, "licensed_states": [ "AL", "AZ", "CA", "CO", "DC", "FL", "GA", "HI", "IA", "IL", "KS", "MA", "MD", "MI", "MN", "MO", "NC", "NE", "NJ", "NM", "NV", "NY", "OH", "OK", "OR", "PA", "TN", "TX", "UT", "VA", "WA", "WI", "WV" ], "licenses": [ { "state": "AL", "confidence": "lender_reported" }, { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "lender_reported" }, { "state": "CO", "confidence": "lender_reported" }, { "state": "DC", "confidence": "lender_reported" }, { "state": "FL", "confidence": "lender_reported" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "HI", "confidence": "lender_reported" }, { "state": "IA", "confidence": "lender_reported" }, { "state": "IL", "confidence": "lender_reported" }, { "state": "KS", "confidence": "lender_reported" }, { "state": "MA", "confidence": "lender_reported" }, { "state": "MD", "confidence": "lender_reported" }, { "state": "MI", "confidence": "lender_reported" }, { "state": "MN", "confidence": "lender_reported" }, { "state": "MO", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "NE", "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": "UT", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" }, { "state": "WI", "confidence": "lender_reported" }, { "state": "WV", "confidence": "lender_reported" } ], "federal_registration_likely": true, "languages": [], "specialties": [ { "slug": "construction", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "physician", "evidence": "lender_page_text" }, { "slug": "self-employed", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "vacation-home", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": null, "lender_profile_url": "https://bankers.firstcitizens.com/mortgage/nc/wilmington/teal-cody", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Vacation home on lender page (lender page, verified 2026-10-09)", "WI listed on their lender page (not yet checked with the state regulator; 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