---
canonical_url: https://lendb.ai/lo/michael-cao-323021
json_url: https://lendb.ai/lo/michael-cao-323021.json
nmls_id: 323021
last_verified: 2026-10-09
---

# Michael Cao

Senior Loan Officer at First Heritage Mortgage, Richmond, VA. NMLS ID 323021 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/323021)).

**Summary:** Michael Cao (NMLS 323021) is Senior Loan Officer at First Heritage Mortgage, based in Richmond, VA. Lists Virginia on the lender page (not yet checked with the state regulator). 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: Virginia (VA, lender_reported)
- 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


## About

Michael has over a decade of mortgage industry experience and specializes in personalized financing solutions. As a Richmond resident, he leverages local market knowledge to serve first-time homebuyers and homeowners.

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

## Facts from the lender page and intro

- years_experience: over a decade. Source: https://fhmtg.com/officers/michael-cao/, verified 2026-10-09.
- service_area: Richmond, VA and surrounding neighborhoods. Source: https://fhmtg.com/officers/michael-cao/, verified 2026-10-09.
- community: volunteer efforts in Richmond. Source: https://fhmtg.com/officers/michael-cao/, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| VA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: First Heritage Mortgage (NMLS 86548), Richmond, VA. Source: https://fhmtg.com/officers/michael-cao/, 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/323021

## Contact

- View profile at First Heritage Mortgage: https://fhmtg.com/officers/michael-cao/
- Office phone on file: shown at https://lendb.ai/lo/michael-cao-323021#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/323021
- lender_site: https://fhmtg.com/officers/michael-cao/

Cite as: Michael Cao (NMLS 323021), First Heritage Mortgage. LenDb.ai, https://lendb.ai/lo/michael-cao-323021, last verified 2026-10-09.

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