---
canonical_url: https://lendb.ai/lo/michael-mccoy-2774276
json_url: https://lendb.ai/lo/michael-mccoy-2774276.json
nmls_id: 2774276
last_verified: 2026-10-09
---

# Michael McCoy

Mortgage Loan Officer at Loan Factory, CA. NMLS ID 2774276 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2774276)).

**Summary:** Michael McCoy (NMLS 2774276) is Mortgage Loan Officer 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: Real estate investor. Last verified 2026-10-09.

## At a glance

- Licensed since: unknown (no state regulator record on file). This is license history on file, not total experience.
- 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

- **Real estate investor** (`investor`): lender page, confidence 0.85, verified 2026-10-09. Source: https://www.loanfactory.com/mortgage-expert/michael-mccoy-2774276

## About

Michael McCoy returned to mortgage lending after 8 years as a real estate investor with firsthand experience buying, financing, renovating, and building properties. As a veteran, he helps homebuyers, homeowners, and real estate investors with financing options.

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

## Facts from the lender page and intro

- years_experience: 2003-2009 as mortgage loan officer, plus 8 years as real estate investor. Source: https://www.loanfactory.com/mortgage-expert/michael-mccoy-2774276, verified 2026-10-09.
- credential: Veteran. Source: https://www.loanfactory.com/mortgage-expert/michael-mccoy-2774276, 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-mccoy-2774276, 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/2774276

## Contact

- View profile at Loan Factory: https://www.loanfactory.com/mortgage-expert/michael-mccoy-2774276

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2774276
- lender_site: https://www.loanfactory.com/mortgage-expert/michael-mccoy-2774276

Cite as: Michael McCoy (NMLS 2774276), Loan Factory. LenDb.ai, https://lendb.ai/lo/michael-mccoy-2774276, last verified 2026-10-09.

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