---
canonical_url: https://lendb.ai/lo/michael-mitchell-448092
json_url: https://lendb.ai/lo/michael-mitchell-448092.json
nmls_id: 448092
last_verified: 2026-10-09
---

# Michael Mitchell

Mortgage Loan Originator at U.S. Bank, Irvine, CA. NMLS ID 448092 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/448092)).

**Summary:** Michael Mitchell (NMLS 448092) is Mortgage Loan Originator at U.S. Bank, based in Irvine, CA. 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: Construction loan. 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: 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

- **Construction loan** (`construction`): lender page, confidence 0.85, verified 2026-10-09. Source: https://mortgage.usbank.com/ca/irvine/michael-mitchell-448092

## Facts from the lender page and intro

- service_area: Newport Beach, CA and Irvine, CA. Source: https://mortgage.usbank.com/ca/irvine/michael-mitchell-448092, verified 2026-10-09.
- credential: Certified builder mortgage loan officer. Source: https://mortgage.usbank.com/ca/irvine/michael-mitchell-448092, verified 2026-10-09.
- credential: Private wealth mortgage banker. Source: https://mortgage.usbank.com/ca/irvine/michael-mitchell-448092, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|

## Employment history

- ? to present: U.S. Bank (NMLS 402761), Irvine, CA. Source: https://mortgage.usbank.com/ca/irvine/michael-mitchell-448092, 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/448092

## Contact

- View profile at U.S. Bank: https://mortgage.usbank.com/ca/irvine/michael-mitchell-448092
- Office phone and Email on file: shown at https://lendb.ai/lo/michael-mitchell-448092#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/448092
- lender_site: https://mortgage.usbank.com/ca/irvine/michael-mitchell-448092

Cite as: Michael Mitchell (NMLS 448092), U.S. Bank. LenDb.ai, https://lendb.ai/lo/michael-mitchell-448092, last verified 2026-10-09.

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