---
canonical_url: https://lendb.ai/lo/michael-mcintosh-234196
json_url: https://lendb.ai/lo/michael-mcintosh-234196.json
nmls_id: 234196
last_verified: 2026-10-09
---

# Michael Mcintosh

Loan Originator at Envoy Mortgage, Oak Harbor, WA. NMLS ID 234196 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/234196)).

**Summary:** Michael Mcintosh (NMLS 234196) is Loan Originator at Envoy Mortgage, based in Oak Harbor, WA. Lists California, Nevada and Oregon on the lender page (not yet checked with the state regulator). States 37 years of experience. 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.
- Years experience (stated by the LO): 37 (source: https://www.envoymortgage.com/mike-mcintosh/, verified 2026-10-09)
- Licensed in: California (CA, lender_reported), Nevada (NV, lender_reported), Oregon (OR, 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

37-year mortgage industry veteran focused on transparent financial strategy. Builds client relationships across generations through honest conversations and long-term financial planning.

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

## Facts from the lender page and intro

- years_experience: 37. Source: https://www.envoymortgage.com/mike-mcintosh/, verified 2026-10-09.
- service_area: Remote, serves CA, NV, OR. Source: https://www.envoymortgage.com/mike-mcintosh/, 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 |
| NV | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| OR | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: Envoy Mortgage (NMLS 6666), Oak Harbor, WA. Source: https://www.envoymortgage.com/mike-mcintosh/, 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/234196

## Contact

- View profile at Envoy Mortgage: https://www.envoymortgage.com/mike-mcintosh/
- Email on file: shown at https://lendb.ai/lo/michael-mcintosh-234196#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/234196
- lender_site: https://www.envoymortgage.com/mike-mcintosh/

Cite as: Michael Mcintosh (NMLS 234196), Envoy Mortgage. LenDb.ai, https://lendb.ai/lo/michael-mcintosh-234196, last verified 2026-10-09.

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