---
canonical_url: https://lendb.ai/lo/michael-bivens-256404
json_url: https://lendb.ai/lo/michael-bivens-256404.json
nmls_id: 256404
last_verified: 2026-10-15
---

# Michael Bivens

Loan Officer at Golden Empire Mortgage, Inc., Chino Hills, CA. NMLS ID 256404 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/256404)).

**Summary:** Michael Bivens (NMLS 256404) is Loan Officer at Golden Empire Mortgage, Inc., based in Chino Hills, CA. Last verified 2026-10-15.

## At a glance

- Earliest state license record: none on file. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Licensed in: no license list on file; check NMLS Consumer Access
- 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.

## Licenses

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

## Employment history

- ? to present: Golden Empire Mortgage, Inc. (NMLS 2427), Chino Hills, CA. Source: https://www.gemcorp.com/mlo/michael-bivens, 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/256404

## Contact

- View profile at Golden Empire Mortgage, Inc.: https://www.gemcorp.com/mlo/michael-bivens
- Office phone and Email on file: shown at https://lendb.ai/lo/michael-bivens-256404#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/256404
- lender_site: https://www.gemcorp.com/mlo/michael-bivens
- HUD (FHA data): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot

Cite as: Michael Bivens (NMLS 256404), Golden Empire Mortgage, Inc.. LenDb.ai, https://lendb.ai/lo/michael-bivens-256404, last verified 2026-10-15.

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