---
canonical_url: https://lendb.ai/lo/michael-lee-mcchristian-288571
json_url: https://lendb.ai/lo/michael-lee-mcchristian-288571.json
nmls_id: 288571
last_verified: 2026-10-09
---

# Michael Lee Mcchristian

Sr Mortgage Loan Consultant at Loan Factory, CA. NMLS ID 288571 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/288571)).

**Summary:** Michael Lee Mcchristian (NMLS 288571) is Sr Mortgage Loan Consultant at Loan Factory, based in California. Lists California on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: FHA loan, VA loan, Construction loan, First-time buyer and HELOC. States 26 years of experience. Last verified 2026-10-09.

## At a glance

- Earliest state license record: none on file. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Years experience (stated by the LO): 26 (source: https://www.loanfactory.com/mortgage-expert/michael-lee-mcchristian-288571, verified 2026-10-09)
- Licensed in: California (CA, 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

- **FHA loan** (`fha`): lender page, confidence 0.85, verified 2026-10-09. Source: https://www.loanfactory.com/mortgage-expert/michael-lee-mcchristian-288571
- **VA loan** (`va`): lender page, confidence 0.85, verified 2026-10-09. Source: https://www.loanfactory.com/mortgage-expert/michael-lee-mcchristian-288571
- **Construction loan** (`construction`): lender page, confidence 0.70, verified 2026-10-09. Source: https://www.loanfactory.com/mortgage-expert/michael-lee-mcchristian-288571
- **First-time buyer** (`first-time-buyer`): lender page, confidence 0.70, verified 2026-10-09. Source: https://www.loanfactory.com/mortgage-expert/michael-lee-mcchristian-288571
- **HELOC** (`heloc`): lender page, confidence 0.70, verified 2026-10-09. Source: https://www.loanfactory.com/mortgage-expert/michael-lee-mcchristian-288571
- **Jumbo loan** (`jumbo`): lender page, confidence 0.70, verified 2026-10-09. Source: https://www.loanfactory.com/mortgage-expert/michael-lee-mcchristian-288571
- **Real estate investor** (`investor`): lender page, confidence 0.70, verified 2026-10-09. Source: https://www.loanfactory.com/mortgage-expert/michael-lee-mcchristian-288571

## About

Michael has over 26 years in financial services and banking. He specializes in VA and FHA loans, conventional and jumbo mortgages, investment properties, and alternative lending for nonprime and challenging credit situations.

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

## Facts from the lender page and intro

- years_experience: 26. Source: https://www.loanfactory.com/mortgage-expert/michael-lee-mcchristian-288571, verified 2026-10-09.
- credential: Certified VA & FHA Loan Specialist. Source: https://www.loanfactory.com/mortgage-expert/michael-lee-mcchristian-288571, verified 2026-10-09.
- credential: Financial Planning licensed. Source: https://www.loanfactory.com/mortgage-expert/michael-lee-mcchristian-288571, verified 2026-10-09.
- credential: Licensed Real-Estate Professional. Source: https://www.loanfactory.com/mortgage-expert/michael-lee-mcchristian-288571, verified 2026-10-09.
- credential: Mortgage Licensed Professional. Source: https://www.loanfactory.com/mortgage-expert/michael-lee-mcchristian-288571, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| CA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: Loan Factory (NMLS 320841), CA. Source: https://www.loanfactory.com/mortgage-expert/michael-lee-mcchristian-288571, 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/288571

## Contact

- View profile at Loan Factory: https://www.loanfactory.com/mortgage-expert/michael-lee-mcchristian-288571

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/288571
- lender_site: https://www.loanfactory.com/mortgage-expert/michael-lee-mcchristian-288571

Cite as: Michael Lee Mcchristian (NMLS 288571), Loan Factory. LenDb.ai, https://lendb.ai/lo/michael-lee-mcchristian-288571, last verified 2026-10-09.

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