---
canonical_url: https://lendb.ai/lo/michael-howarth-2014480
json_url: https://lendb.ai/lo/michael-howarth-2014480.json
nmls_id: 2014480
last_verified: 2026-10-09
---

# Michael Howarth

Purchase Loan Officer at Pennymac, Pasadena, CA. NMLS ID 2014480 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2014480)).

**Summary:** Michael Howarth (NMLS 2014480) is Purchase Loan Officer at Pennymac, based in Pasadena, CA. Licensed in 2 states confirmed with state regulators: Florida and Pennsylvania. Also lists Arizona, California, Georgia, Massachusetts and Washington on the lender page (not yet checked with the state regulator). Licensed since 2021 (per Florida records). Last verified 2026-10-09.

## At a glance

- Licensed since 2021 (per Florida records). This is license history on file, not total experience.
- Licensed in: Florida (FL, confirmed), Pennsylvania (PA, confirmed), Arizona (AZ, lender_reported), California (CA, lender_reported), Georgia (GA, lender_reported), Massachusetts (MA, lender_reported), Washington (WA, 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 brings expertise from San Diego State University (B.S. in business) and guides customers through the full mortgage process. He has funded $51.4 million in purchase loans last year.

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

## Facts from the lender page and intro

- education: Bachelor's degree in business from San Diego State University. Source: https://www.pennymac.com/find-loan-officer/michael-howarth, verified 2026-10-09.
- credential: 10x winner; Circle of Champions award winner; Rated 4.7/5 Stars. Source: https://www.pennymac.com/find-loan-officer/michael-howarth, verified 2026-10-09.
- other: $51.4 million in purchase loans funded last year. Source: https://www.pennymac.com/find-loan-officer/michael-howarth, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO83370 | active | confirmed | 2021-03-08 | state_regulator | 2026-10-09 |
| PA | state_license | 80636 | active | confirmed |  | state_regulator | 2026-10-09 |
| AZ | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| CA | 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 |
| MA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| WA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: Pennymac (NMLS 35953), Pasadena, CA. Source: https://www.pennymac.com/find-loan-officer/michael-howarth, 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/2014480

## Contact

- View profile at Pennymac: https://www.pennymac.com/find-loan-officer/michael-howarth
- Email on file: shown at https://lendb.ai/lo/michael-howarth-2014480#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2014480
- 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.pennymac.com/find-loan-officer/michael-howarth

Cite as: Michael Howarth (NMLS 2014480), Pennymac. LenDb.ai, https://lendb.ai/lo/michael-howarth-2014480, last verified 2026-10-09.

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