---
canonical_url: https://lendb.ai/lo/michael-derosa-58223
json_url: https://lendb.ai/lo/michael-derosa-58223.json
nmls_id: 58223
last_verified: 2026-10-09
---

# Michael DeRosa

Senior Home Lending Advisor at JPMorgan Chase Bank (Chase Home Lending), Darien, CT. NMLS ID 58223 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/58223)).

**Summary:** Michael DeRosa (NMLS 58223) is Senior Home Lending Advisor at JPMorgan Chase Bank (Chase Home Lending), based in Darien, CT. 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, Co-op, Condo, VA loan and FHA loan. Licensed since 2017 (per Florida records). Last verified 2026-10-09.

## At a glance

- Licensed since 2017 (per Florida records). 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/ct/darien/165-noroton-ave-hla-58223
- **Co-op** (`co-op`): lender page, confidence 0.70, verified 2026-10-09. Source: https://homelendingadvisor.chase.com/ct/darien/165-noroton-ave-hla-58223
- **Condo** (`condo`): lender page, confidence 0.70, verified 2026-10-09. Source: https://homelendingadvisor.chase.com/ct/darien/165-noroton-ave-hla-58223
- **VA loan** (`va`): lender page, confidence 0.46, verified 2026-10-09. Source: https://homelendingadvisor.chase.com/ct/darien/165-noroton-ave-hla-58223
- **FHA loan** (`fha`): lender page, confidence 0.43, verified 2026-10-09. Source: https://homelendingadvisor.chase.com/ct/darien/165-noroton-ave-hla-58223
- **Self-employed** (`self-employed`): lender page, confidence 0.38, verified 2026-10-09. Source: https://homelendingadvisor.chase.com/ct/darien/165-noroton-ave-hla-58223
- **Jumbo loan** (`jumbo`): lender page, confidence 0.14, verified 2026-10-09. Source: https://homelendingadvisor.chase.com/ct/darien/165-noroton-ave-hla-58223
- **First-time buyer** (`first-time-buyer`): lender page, confidence 0.10, verified 2026-10-09. Source: https://homelendingadvisor.chase.com/ct/darien/165-noroton-ave-hla-58223

## About

Michael has 20 years of experience as a Senior Home Lending Advisor and serves Westchester & Fairfield County, specializing in FHA and VA mortgages, condo and co-op lending, and first-time homebuyer programs.

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

## Facts from the lender page and intro

- service_area: Westchester & Fairfield County. Source: https://homelendingadvisor.chase.com/ct/darien/165-noroton-ave-hla-58223, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO39270 | expired | confirmed | 2017-02-03 | state_regulator | 2026-10-09 |

## Employment history

- ? to present: JPMorgan Chase Bank (Chase Home Lending) (NMLS 399798), Darien, CT. Source: https://homelendingadvisor.chase.com/ct/darien/165-noroton-ave-hla-58223, 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/58223

## Contact

- linkedin_url: https://www.linkedin.com/in/michael-derosa-22925311/ (source: lender_site, verified 2026-10-09)
- View profile at JPMorgan Chase Bank (Chase Home Lending): https://homelendingadvisor.chase.com/ct/darien/165-noroton-ave-hla-58223
- Office phone and Email on file: shown at https://lendb.ai/lo/michael-derosa-58223#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/58223
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip
- lender_site: https://homelendingadvisor.chase.com/ct/darien/165-noroton-ave-hla-58223

Cite as: Michael DeRosa (NMLS 58223), JPMorgan Chase Bank (Chase Home Lending). LenDb.ai, https://lendb.ai/lo/michael-derosa-58223, last verified 2026-10-09.

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