---
canonical_url: https://lendb.ai/lo/michael-affatato-426771
json_url: https://lendb.ai/lo/michael-affatato-426771.json
nmls_id: 426771
last_verified: 2026-10-09
---

# Michael Affatato

Senior Home Lending Advisor at JPMorgan Chase Bank (Chase Home Lending), South Elgin, IL. NMLS ID 426771 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/426771)).

**Summary:** Michael Affatato (NMLS 426771) is Senior Home Lending Advisor at JPMorgan Chase Bank (Chase Home Lending), based in South Elgin, IL. Works at a bank, so likely federally registered: Federally registered MLOs aren't state-licensed; verify at NMLS. Focus areas shown on the lender page: Down payment assistance, FHA loan and VA loan. Last verified 2026-10-09.

## At a glance

- Licensed since: unknown (no state regulator record on file). This is license history on file, not total experience.
- Licensed in: no license list on file; check NMLS Consumer Access
- Federal registration: likely (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS.
- 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

- **Down payment assistance** (`down-payment-assistance`): lender page, confidence 0.85, verified 2026-10-09. Source: https://homelendingadvisor.chase.com/il/south-elgin/536-randall-rd-hla-426771
- **FHA loan** (`fha`): lender page, confidence 0.35, verified 2026-10-09. Source: https://homelendingadvisor.chase.com/il/south-elgin/536-randall-rd-hla-426771
- **VA loan** (`va`): lender page, confidence 0.13, verified 2026-10-09. Source: https://homelendingadvisor.chase.com/il/south-elgin/536-randall-rd-hla-426771

## About

Michael serves clients in the South Elgin area with 19 years of experience as a Senior Home Lending Advisor.

Source: LenDb summary of the lender page, verified 2026-10-09.

## Facts from the lender page and intro

- credential: Chase Certified in FHA Loans. Source: https://homelendingadvisor.chase.com/il/south-elgin/536-randall-rd-hla-426771, verified 2026-10-09.
- credential: Chase Certified in VA Loans. Source: https://homelendingadvisor.chase.com/il/south-elgin/536-randall-rd-hla-426771, verified 2026-10-09.
- credential: Chase Certified in Chase Private Client Lending. Source: https://homelendingadvisor.chase.com/il/south-elgin/536-randall-rd-hla-426771, verified 2026-10-09.
- credential: Chase Certified in Down Payment Assistance Programs. Source: https://homelendingadvisor.chase.com/il/south-elgin/536-randall-rd-hla-426771, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|

## Employment history

- ? to present: JPMorgan Chase Bank (Chase Home Lending) (NMLS 399798), South Elgin, IL. Source: https://homelendingadvisor.chase.com/il/south-elgin/536-randall-rd-hla-426771, verified 2026-10-09.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/426771

## Contact

- linkedin_url: https://www.linkedin.com/in/michael-affatato-79233a8/ (source: lender_site, verified 2026-10-09)
- View profile at JPMorgan Chase Bank (Chase Home Lending): https://homelendingadvisor.chase.com/il/south-elgin/536-randall-rd-hla-426771
- Office phone and Email on file: shown at https://lendb.ai/lo/michael-affatato-426771#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/426771
- lender_site: https://homelendingadvisor.chase.com/il/south-elgin/536-randall-rd-hla-426771

Cite as: Michael Affatato (NMLS 426771), JPMorgan Chase Bank (Chase Home Lending). LenDb.ai, https://lendb.ai/lo/michael-affatato-426771, last verified 2026-10-09.

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