---
canonical_url: https://lendb.ai/lo/michael-ham-174605
json_url: https://lendb.ai/lo/michael-ham-174605.json
nmls_id: 174605
last_verified: 2026-10-09
---

# Michael Ham

Loan Officer at Churchill Mortgage, Brentwood, TN. NMLS ID 174605 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/174605)).

**Summary:** Michael Ham (NMLS 174605) is Loan Officer at Churchill Mortgage, based in Brentwood, TN. Licensed in Florida, confirmed with the state regulator (license LO21537). Also lists Alabama, Arkansas, Arizona, Georgia, Kentucky, Missouri, Ohio and Tennessee on the lender page (not yet checked with the state regulator). Licensed since 2013 (per Florida records). Last verified 2026-10-09.

## At a glance

- Licensed since 2013 (per Florida records). This is license history on file, not total experience.
- Licensed in: Florida (FL, confirmed), Alabama (AL, lender_reported), Arkansas (AR, lender_reported), Arizona (AZ, lender_reported), Georgia (GA, lender_reported), Kentucky (KY, lender_reported), Missouri (MO, lender_reported), Ohio (OH, lender_reported), Tennessee (TN, 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 been in the mortgage industry since January 2005 (19 years) and at Churchill since April 2009. His background includes managing a 911 center, which taught him empathy, and time as a stay-at-home parent.

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

## Facts from the lender page and intro

- years_experience: since 2005. Source: https://www.churchillmortgage.com/loan-officers/michael-ham, verified 2026-10-09.
- role: Churchill Mortgage since April 2009. Source: https://www.churchillmortgage.com/loan-officers/michael-ham, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO21537 | active | confirmed | 2013-09-12 | state_regulator | 2026-10-09 |
| AL | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| AR | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| AZ | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| GA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| KY | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| MO | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| OH | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| TN | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: Churchill Mortgage (NMLS 1591), Brentwood, TN. Source: https://www.churchillmortgage.com/loan-officers/michael-ham, 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/174605

## Contact

- View profile at Churchill Mortgage: https://www.churchillmortgage.com/loan-officers/michael-ham
- Office phone and Email on file: shown at https://lendb.ai/lo/michael-ham-174605#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/174605
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip
- lender_site: https://www.churchillmortgage.com/loan-officers/michael-ham

Cite as: Michael Ham (NMLS 174605), Churchill Mortgage. LenDb.ai, https://lendb.ai/lo/michael-ham-174605, last verified 2026-10-09.

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