---
canonical_url: https://lendb.ai/lo/michael-erdel-1610627
json_url: https://lendb.ai/lo/michael-erdel-1610627.json
nmls_id: 1610627
last_verified: 2026-10-09
---

# Michael Erdel

Mortgage Loan Originator at U.S. Bank, Owensboro, KY. NMLS ID 1610627 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1610627)).

**Summary:** Michael Erdel (NMLS 1610627) is Mortgage Loan Originator at U.S. Bank, based in Owensboro, KY. 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: HELOC. Licensed since 2020 (per Florida records). Last verified 2026-10-09.

## At a glance

- Licensed since 2020 (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

- **HELOC** (`heloc`): lender page, confidence 0.75, verified 2026-10-09. Source: https://mortgage.usbank.com/ky/owensboro/michael-erdel-1610627

## About

Michael assists with refinancing goals including lowering monthly payments, shortening loan terms, switching to fixed rates, or accessing home equity through HELOC programs.

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

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO75404 | expired | confirmed | 2020-10-06 | state_regulator | 2026-10-09 |

## Employment history

- ? to present: U.S. Bank (NMLS 402761), Owensboro, KY. Source: https://mortgage.usbank.com/ky/owensboro/michael-erdel-1610627, 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/1610627

## Contact

- View profile at U.S. Bank: https://mortgage.usbank.com/ky/owensboro/michael-erdel-1610627
- Office phone and Email on file: shown at https://lendb.ai/lo/michael-erdel-1610627#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1610627
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip
- lender_site: https://mortgage.usbank.com/ky/owensboro/michael-erdel-1610627

Cite as: Michael Erdel (NMLS 1610627), U.S. Bank. LenDb.ai, https://lendb.ai/lo/michael-erdel-1610627, last verified 2026-10-09.

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