---
canonical_url: https://lendb.ai/lo/michael-giardina-589507
json_url: https://lendb.ai/lo/michael-giardina-589507.json
nmls_id: 589507
last_verified: 2026-10-09
---

# Michael Giardina

Senior Loan Officer at Embrace Home Loans, Hauppauge, NY. NMLS ID 589507 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/589507)).

**Summary:** Michael Giardina (NMLS 589507) is Senior Loan Officer at Embrace Home Loans, based in Hauppauge, NY. Licensed in 2 states confirmed with state regulators: Florida and Pennsylvania. Also lists North Carolina, New Jersey and New York on the lender page (not yet checked with the state regulator). Licensed since 2022 (per Florida records). States 30 years of experience. Last verified 2026-10-09.

## At a glance

- Licensed since 2022 (per Florida records). This is license history on file, not total experience.
- Years experience (stated by the LO): 30 (source: https://www.embracehomeloans.com/location/new-york/melville/michael-giardina, verified 2026-10-09)
- Licensed in: Florida (FL, confirmed), Pennsylvania (PA, confirmed), North Carolina (NC, lender_reported), New Jersey (NJ, lender_reported), New York (NY, 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 Giardina is a seasoned professional with over 30 years of industry experience and President's Club honors for over 20 years. He recently joined Embrace from US Bank, focusing on loan origination with expertise serving borrowers with diverse financial circumstances.

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

## Facts from the lender page and intro

- years_experience: 30. Source: https://www.embracehomeloans.com/location/new-york/melville/michael-giardina, verified 2026-10-09.
- credential: President's Club honors for over 20 years. Source: https://www.embracehomeloans.com/location/new-york/melville/michael-giardina, verified 2026-10-09.
- role: Loan Officer at US Bank with focus on loan origination. Source: https://www.embracehomeloans.com/location/new-york/melville/michael-giardina, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO107953 | active | confirmed | 2022-05-19 | state_regulator | 2026-10-09 |
| PA | state_license | 99102 | active | confirmed |  | state_regulator | 2026-10-10 |
| NC | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| NJ | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| NY | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: Embrace Home Loans (NMLS 2184), Hauppauge, NY. Source: https://www.embracehomeloans.com/location/new-york/melville/michael-giardina, 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/589507

## Contact

- View profile at Embrace Home Loans: https://www.embracehomeloans.com/location/new-york/melville/michael-giardina
- Office phone and Email on file: shown at https://lendb.ai/lo/michael-giardina-589507#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/589507
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip
- state_regulator: https://data.pa.gov/d/tyxc-jyug
- lender_site: https://www.embracehomeloans.com/location/new-york/melville/michael-giardina

Cite as: Michael Giardina (NMLS 589507), Embrace Home Loans. LenDb.ai, https://lendb.ai/lo/michael-giardina-589507, last verified 2026-10-09.

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