---
canonical_url: https://lendb.ai/lo/michael-heus-1210453
json_url: https://lendb.ai/lo/michael-heus-1210453.json
nmls_id: 1210453
last_verified: 2026-10-28
---

# Michael Heus

Loan officer at E Mortgage Capital, Inc.. NMLS ID 1210453 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1210453)).

Michael Heus (NMLS 1210453) is a mortgage loan officer at E Mortgage Capital, Inc., licensed in Illinois since 2023 and in Florida.

**Summary:** Michael Heus (NMLS 1210453) is a loan officer at E Mortgage Capital, Inc.. Licensed in 2 states confirmed with state regulators: Florida and Illinois. Earliest state license record: May 22, 2023 (Illinois), per state regulator. Last verified 2026-10-28.

## Quick answers

### Is Michael licensed in Florida?

Yes. Florida regulator records list license LO135539 as active, first effective February 18, 2025 (verified 2026-10-15). LenDb has 1 other state on file for Michael. Source: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip.

### What lender does Michael work for?

E Mortgage Capital, Inc., company NMLS 1416824, per the lender's own site (verified 2026-10-28). Source: https://idfpr.illinois.gov/banks/resfin.html.

### How long has Michael been licensed?

The earliest state license record LenDb holds for Michael is from May 22, 2023 (Illinois regulator). That is a record date from the rosters we hold, not proof of continuous licensure. Source: https://idfpr.illinois.gov/banks/resfin.html.

## At a glance

- Earliest state license record: May 22, 2023 (Illinois), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Also licensed as (state regulator records, same NMLS ID): Michael A. Heus (FL, as of 2026-10-09)
- Licensed in: Florida (FL, confirmed), Illinois (IL, confirmed)
- 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 (Languages come only from the loan officer's own lender page, and most lender pages do not list languages. A language that is not listed means not stated, not that the loan officer does not speak it.)
- Profile: unclaimed
- Status: active

## Specialties

### Focus (officer level: their own bio, title, certification, specialty list or claim)

- None on file yet.

## Licenses

| State | Regulator | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|---|
| FL | Florida regulator | state_license | LO135539 | active | confirmed | 2025-02-18 | state_regulator | 2026-10-15 |
| IL | Illinois regulator | state_license | 31.0081948 | active | confirmed | 2023-05-22 | state_regulator | 2026-10-28 |

## Employment history

- ? to present: E Mortgage Capital, Inc. (NMLS 1416824). Source: https://idfpr.illinois.gov/banks/resfin.html, verified 2026-10-28.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1210453

## Contact


## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1210453
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip
- state_regulator: https://idfpr.illinois.gov/banks/resfin.html

Cite as: Michael Heus (NMLS 1210453), E Mortgage Capital, Inc.. LenDb.ai, https://lendb.ai/lo/michael-heus-1210453, last verified 2026-10-28.

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