---
canonical_url: https://lendb.ai/lo/michael-jennings-218602
json_url: https://lendb.ai/lo/michael-jennings-218602.json
nmls_id: 218602
last_verified: 2026-10-21
---

# Michael Jennings

Loan Officer at Ram Mortgage, LLC, Charlotte, NC. NMLS ID 218602 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/218602)).

Michael Jennings (NMLS 218602) is a Loan Officer at Ram Mortgage, LLC in Charlotte, North Carolina, serving North Carolina.

**Summary:** Michael Jennings (NMLS 218602) is Loan Officer at Ram Mortgage, LLC, based in Charlotte, NC. Lists North Carolina on the lender page (not yet checked with the state regulator). Earliest state license record: September 6, 2019 (Florida), per state regulator. States 35 years of experience. Last verified 2026-10-21.

## Quick answers

### Is Michael licensed in North Carolina?

Ram Mortgage, LLC's page for Michael lists North Carolina. LenDb has not checked it with the state regulator yet, so verify at NMLS Consumer Access. Source: https://www.rammtg.com/michael-jennings.

### What lender does Michael work for?

Ram Mortgage, LLC, company NMLS 2301828, from the Charlotte, NC office, per the lender's own site (verified 2026-10-21). Source: https://www.rammtg.com/michael-jennings.

### How long has Michael been licensed?

The earliest state license record LenDb holds for Michael is from September 6, 2019 (Florida regulator). That is a record date from the rosters we hold, not proof of continuous licensure. Michael states 35 years of experience. Source: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip.

## At a glance

- Earliest state license record: September 6, 2019 (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): 35 (source: https://www.rammtg.com/michael-jennings, verified 2026-10-21)
- Also licensed as (state regulator records, same NMLS ID): Michael J. Jennings (FL, as of 2026-10-09)
- Licensed in: North Carolina (NC, 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 (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.

## About

Michael Jennings is a Loan Officer in Charlotte, NC, licensed in NC. Their profile states 35 years in the mortgage industry and hundreds of closed loans.

Source: LenDb summary of the lender page, verified 2026-10-21.

## Facts from the lender page and intro

- years_experience: 35. Source: https://www.rammtg.com/michael-jennings, verified 2026-10-21.
- other: hundreds of closed loans. Source: https://www.rammtg.com/michael-jennings, verified 2026-10-21.

## Licenses

| State | Regulator | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|---|
| FL | Florida regulator | state_license | LO63949 | expired | confirmed | 2019-09-06 | state_regulator | 2026-10-15 |
| NC |  | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-21 |

## Employment history

- ? to present: Ram Mortgage, LLC (NMLS 2301828), Charlotte, NC. Source: https://www.rammtg.com/michael-jennings, verified 2026-10-21.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/218602

## Contact

- View profile at Ram Mortgage, LLC: https://www.rammtg.com/michael-jennings
- Office phone and Email on file: shown at https://lendb.ai/lo/michael-jennings-218602#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/218602
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip
- lender_site: https://www.rammtg.com/michael-jennings

Cite as: Michael Jennings (NMLS 218602), Ram Mortgage, LLC. LenDb.ai, https://lendb.ai/lo/michael-jennings-218602, last verified 2026-10-21.

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