{
  "canonical_url": "https://lendb.ai/lo/michael-howarth-2014480",
  "loan_officer": {
    "nmls_id": 2014480,
    "slug": "michael-howarth-2014480",
    "canonical_url": "https://lendb.ai/lo/michael-howarth-2014480",
    "md_url": "https://lendb.ai/lo/michael-howarth-2014480.md",
    "json_url": "https://lendb.ai/lo/michael-howarth-2014480.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2014480",
    "full_name": {
      "value": "Michael Howarth",
      "source": "lender_site",
      "source_url": "https://www.pennymac.com/find-loan-officer/michael-howarth",
      "verified_at": "2026-10-09"
    },
    "first_name": "Michael",
    "last_name": "Howarth",
    "headshot_url": {
      "value": "https://www.pennymac.com/assets/images/find-loan-officer/headshots/michael-howarth.jpg",
      "source": "lender_site",
      "source_url": "https://www.pennymac.com/find-loan-officer/michael-howarth",
      "verified_at": "2026-10-09"
    },
    "bio": {
      "value": "Michael brings expertise from San Diego State University (B.S. in business) and guides customers through the full mortgage process. He has funded $51.4 million in purchase loans last year.",
      "source": "lender_site",
      "source_url": "https://www.pennymac.com/find-loan-officer/michael-howarth",
      "verified_at": "2026-10-09"
    },
    "title": {
      "value": "Purchase Loan Officer",
      "source": "lender_site",
      "source_url": "https://www.pennymac.com/find-loan-officer/michael-howarth",
      "verified_at": "2026-10-09"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://www.pennymac.com/find-loan-officer/michael-howarth",
      "verified_at": "2026-10-09"
    },
    "years_licensed": 5,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 85,
    "current_employment": {
      "lender_nmls_id": 35953,
      "lender_name": "Pennymac",
      "lender_slug": "pennymac-35953",
      "branch_city": "Pasadena",
      "branch_state": "CA",
      "branch_zip": "91101",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://www.pennymac.com/find-loan-officer/michael-howarth",
      "lender_type": "imb",
      "source": "lender_site",
      "source_url": "https://www.pennymac.com/find-loan-officer/michael-howarth",
      "verified_at": "2026-10-09"
    },
    "employment_history": [
      {
        "lender_nmls_id": 35953,
        "lender_name": "Pennymac",
        "lender_slug": "pennymac-35953",
        "branch_city": "Pasadena",
        "branch_state": "CA",
        "branch_zip": "91101",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://www.pennymac.com/find-loan-officer/michael-howarth",
        "lender_type": "imb",
        "source": "lender_site",
        "source_url": "https://www.pennymac.com/find-loan-officer/michael-howarth",
        "verified_at": "2026-10-09"
      }
    ],
    "licenses": [
      {
        "state": "FL",
        "license_type": "state_license",
        "license_number": "LO83370",
        "status": "active",
        "issued_at": "2021-03-08",
        "source": "state_regulator",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip",
        "verified_at": "2026-10-09",
        "confidence": "confirmed"
      },
      {
        "state": "PA",
        "license_type": "state_license",
        "license_number": "80636",
        "status": "active",
        "issued_at": null,
        "source": "state_regulator",
        "source_url": "https://data.pa.gov/d/tyxc-jyug",
        "verified_at": "2026-10-09",
        "confidence": "confirmed"
      },
      {
        "state": "AZ",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.pennymac.com/find-loan-officer/michael-howarth",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      },
      {
        "state": "CA",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.pennymac.com/find-loan-officer/michael-howarth",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      },
      {
        "state": "GA",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.pennymac.com/find-loan-officer/michael-howarth",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      },
      {
        "state": "MA",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.pennymac.com/find-loan-officer/michael-howarth",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      },
      {
        "state": "WA",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.pennymac.com/find-loan-officer/michael-howarth",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      }
    ],
    "specialties": [],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "education",
        "value": "Bachelor's degree in business from San Diego State University",
        "source": "lender_site",
        "source_url": "https://www.pennymac.com/find-loan-officer/michael-howarth",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "credential",
        "value": "10x winner; Circle of Champions award winner; Rated 4.7/5 Stars",
        "source": "lender_site",
        "source_url": "https://www.pennymac.com/find-loan-officer/michael-howarth",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "other",
        "value": "$51.4 million in purchase loans funded last year",
        "source": "lender_site",
        "source_url": "https://www.pennymac.com/find-loan-officer/michael-howarth",
        "verified_at": "2026-10-09"
      }
    ],
    "last_verified_at": "2026-10-09",
    "updated_at": "2026-10-10 02:54:20.7516+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/michael-howarth-2014480#contact",
      "note": "Phone and email are shown on the profile page after a quick human check, one profile at a time. They are not available through the API or MCP. To reach this loan officer, open reveal_url or lender_profile_url.",
      "source": "lender_site",
      "source_url": "https://www.pennymac.com/find-loan-officer/michael-howarth",
      "verified_at": "2026-10-09"
    },
    "licensed_since": {
      "year": 2021,
      "state": "FL"
    },
    "federal_registration": null
  }
}