---
canonical_url: https://lendb.ai/lo/ian-carmichael-223454
json_url: https://lendb.ai/lo/ian-carmichael-223454.json
nmls_id: 223454
last_verified: 2026-10-15
---

# Ian Carmichael

Residential Mortgage Loan Originator at Cornerstone First Mortgage, Cedar Park, TX. NMLS ID 223454 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/223454)).

**Summary:** Ian Carmichael (NMLS 223454) is Residential Mortgage Loan Originator at Cornerstone First Mortgage, based in Cedar Park, TX. Licensed in Texas, confirmed with the state regulator. Cornerstone First Mortgage also offers FHA loan, First-time buyer, HELOC, Real estate investor and Jumbo loan and 7 more (a lender program, not confirmed as their own focus). Earliest state license record: March 18, 2019 (Texas), per state regulator. States 21 years of experience. Last verified 2026-10-15.

## At a glance

- Earliest state license record: March 18, 2019 (Texas), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Years experience (stated by the LO): 21 (source: https://encompasslending.com/icarmichael/, verified 2026-10-15)
- Licensed in: Texas (TX, confirmed)
- Works at an FHA-approved lender, per HUD (HUD FHA data, loans endorsed through Aug 2026): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot
- License confidence: confirmed = state regulator roster; lender_reported = listed on the lender page only; federal_registration = inferred from a bank or credit union employer.
- Languages: not listed
- Profile: unclaimed
- Status: active

## Specialties

### Focus (officer level: their own bio, title, certification, specialty list or claim)

- None on file yet.

### Their lender offers (lender level: Cornerstone First Mortgage's programs, not confirmed as this person's focus)

- **FHA loan** (`fha`): verified 2026-10-15. Source: https://www.cornerstonefirst.com
- **First-time buyer** (`first-time-buyer`): verified 2026-10-15. Source: https://www.cornerstonefirst.com
- **HELOC** (`heloc`): verified 2026-10-15. Source: https://www.cornerstonefirst.com
- **Real estate investor** (`investor`): verified 2026-10-15. Source: https://www.cornerstonefirst.com
- **Jumbo loan** (`jumbo`): verified 2026-10-15. Source: https://www.cornerstonefirst.com
- **Low credit score** (`low-credit`): verified 2026-10-15. Source: https://www.cornerstonefirst.com
- **New construction** (`new-construction`): verified 2026-10-15. Source: https://www.cornerstonefirst.com
- **Renovation loan (203k / HomeStyle)** (`renovation`): verified 2026-10-15. Source: https://www.cornerstonefirst.com
- **Reverse mortgage** (`reverse`): verified 2026-10-15. Source: https://www.cornerstonefirst.com
- **Self-employed** (`self-employed`): verified 2026-10-15. Source: https://www.cornerstonefirst.com
- **USDA loan** (`usda`): verified 2026-10-15. Source: https://www.cornerstonefirst.com
- **VA loan** (`va`): verified 2026-10-15. Source: https://www.cornerstonefirst.com

## About

Ian Carmichael has 21 years in the mortgage industry and treats each year as a chance to keep learning and serve clients better. Outside work, they enjoy camping with family.

Source: LenDb summary of the lender page, verified 2026-10-15.

## Facts from the lender page and intro

- years_experience: 21. Source: https://encompasslending.com/icarmichael/, verified 2026-10-15.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| TX | state_license | n/a | active | confirmed | 2019-03-18 | state_regulator | 2026-10-13 |

## Employment history

- ? to present: Cornerstone First Mortgage (NMLS 292897), Cedar Park, TX. Source: https://encompasslending.com/icarmichael/, verified 2026-10-15.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/223454

## Contact

- View profile at Cornerstone First Mortgage: https://encompasslending.com/icarmichael/
- Office phone and Email on file: shown at https://lendb.ai/lo/ian-carmichael-223454#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/223454
- state_regulator: https://www.sml.texas.gov/
- state_regulator: https://encompasslending.com/icarmichael/
- lender_site (lender programs): https://www.cornerstonefirst.com
- HUD (FHA data): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot

Cite as: Ian Carmichael (NMLS 223454), Cornerstone First Mortgage. LenDb.ai, https://lendb.ai/lo/ian-carmichael-223454, last verified 2026-10-15.

_Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._