---
canonical_url: https://lendb.ai/lo/michael-gallegos-1193751
json_url: https://lendb.ai/lo/michael-gallegos-1193751.json
nmls_id: 1193751
last_verified: 2026-10-15
---

# Mike Gallegos

VP of Sales | Mortgage Banker at BoxCar Mortgage, LLC. NMLS ID 1193751 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1193751)).

**Summary:** Mike Gallegos (NMLS 1193751) is VP of Sales | Mortgage Banker at BoxCar Mortgage, LLC. Licensed in 3 states confirmed with state regulators: Florida, Texas and Connecticut. Earliest state license record: October 9, 2023 (Florida), per state regulator. States 18 years of experience. Last verified 2026-10-15.

## At a glance

- Earliest state license record: October 9, 2023 (Florida), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Years experience (stated by the LO): 18 (source: https://www.valorhl.com/mike-gallegos, verified 2026-10-15)
- Licensed in: Florida (FL, confirmed), Texas (TX, confirmed), Connecticut (CT, confirmed)
- 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.

## Facts from the lender page and intro

- years_experience: 18. Source: https://www.valorhl.com/mike-gallegos, verified 2026-10-15.
- credential: Certified Financial Planner for the past 12 years. Source: https://www.valorhl.com/mike-gallegos, verified 2026-10-15.
- credential: AAMS, CRPC, CWS and Registered Corporate Coach designations. Source: https://www.valorhl.com/mike-gallegos, verified 2026-10-15.
- education: University of Puget Sound, Tacoma, WA. Source: https://www.valorhl.com/mike-gallegos, verified 2026-10-15.
- community: Family is actively engaged in Peak City Church. Source: https://www.valorhl.com/mike-gallegos, verified 2026-10-15.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO123500 | active | confirmed | 2023-10-09 | state_regulator | 2026-10-15 |
| TX | state_license | n/a | active | confirmed | 2023-11-01 | state_regulator | 2026-10-13 |
| CT | state_license | LO-1193751 | active | confirmed |  | state_regulator | 2026-10-15 |

## Employment history

- ? to present: BoxCar Mortgage, LLC (NMLS 1969375). Source: https://www.valorhl.com/mike-gallegos, 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/1193751

## Contact

- View profile at BoxCar Mortgage, LLC: https://www.valorhl.com/mike-gallegos
- Office phone and Email on file: shown at https://lendb.ai/lo/michael-gallegos-1193751#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1193751
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip
- state_regulator: https://www.sml.texas.gov/
- state_regulator: https://portal.ct.gov/dob/consumer-credit-licenses/consumer-credit-licenses/mortgage-loan-originators-licensed-in-connecticut
- state_regulator: https://www.valorhl.com/mike-gallegos
- HUD (FHA data): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot

Cite as: Mike Gallegos (NMLS 1193751), BoxCar Mortgage, LLC. LenDb.ai, https://lendb.ai/lo/michael-gallegos-1193751, last verified 2026-10-15.

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