---
canonical_url: https://lendb.ai/lo/michael-lacagnina-1165063
json_url: https://lendb.ai/lo/michael-lacagnina-1165063.json
nmls_id: 1165063
last_verified: 2026-10-16
---

# Michael LaCagnina

Mortgage Banker at The Federal Savings Bank, Atlanta, GA. NMLS ID 1165063 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1165063)).

**Summary:** Michael LaCagnina (NMLS 1165063) is Mortgage Banker at The Federal Savings Bank, based in Atlanta, GA. Works at a bank, so likely federally registered: Federally registered MLOs aren't state-licensed; verify at NMLS. Focus areas shown on the lender page: VA loan. Earliest state license record: October 21, 2021 (Florida), per state regulator. Last verified 2026-10-16.

## At a glance

- Earliest state license record: October 21, 2021 (Florida), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Licensed in: no license list on file; check NMLS Consumer Access
- Federal registration: likely (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS.
- 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

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

- **VA loan** (`va`): from their lender profile page, confidence 0.50, verified 2026-10-16. Source: https://www.thefederalsavingsbank.com/bankers/michael-lacagnina/

## Facts from the lender page and intro

- years_experience: over 10. Source: https://www.thefederalsavingsbank.com/bankers/michael-lacagnina/, verified 2026-10-16.
- education: Sociology and Business, Chapman University. Source: https://www.thefederalsavingsbank.com/bankers/michael-lacagnina/, verified 2026-10-16.
- role: Loan Officer and Senior Loan Officer (previously). Source: https://www.thefederalsavingsbank.com/bankers/michael-lacagnina/, verified 2026-10-16.
- credential: Veteran Lending Specialist. Source: https://www.thefederalsavingsbank.com/bankers/michael-lacagnina/, verified 2026-10-16.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO96398 | expired | confirmed | 2021-10-21 | state_regulator | 2026-10-15 |

## Employment history

- ? to present: The Federal Savings Bank (NMLS 411500), Atlanta, GA. Source: https://www.thefederalsavingsbank.com/bankers/michael-lacagnina/, verified 2026-10-16.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1165063

## Contact

- View profile at The Federal Savings Bank: https://www.thefederalsavingsbank.com/bankers/michael-lacagnina/
- Office phone and Email on file: shown at https://lendb.ai/lo/michael-lacagnina-1165063#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1165063
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip
- lender_site: https://www.thefederalsavingsbank.com/bankers/michael-lacagnina/

Cite as: Michael LaCagnina (NMLS 1165063), The Federal Savings Bank. LenDb.ai, https://lendb.ai/lo/michael-lacagnina-1165063, last verified 2026-10-16.

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