---
canonical_url: https://lendb.ai/lo/michael-o-brien-2709170
json_url: https://lendb.ai/lo/michael-o-brien-2709170.json
nmls_id: 2709170
last_verified: 2026-10-15
---

# Michael "Mike" O'Brien

Loan Officer at Full Realty Services, Inc., Jacksonville, FL. NMLS ID 2709170 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2709170)).

**Summary:** Michael "Mike" O'Brien (NMLS 2709170) is Loan Officer at Full Realty Services, Inc., based in Jacksonville, FL. Licensed in Florida, confirmed with the state regulator (license LO139931). Focus areas shown on the lender page: Construction loan, FHA loan, Jumbo loan, Real estate investor and Reverse mortgage. Earliest state license record: July 25, 2025 (Florida), per state regulator. Last verified 2026-10-15.

## At a glance

- Earliest state license record: July 25, 2025 (Florida), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Licensed in: Florida (FL, confirmed)
- 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)

- **Construction loan** (`construction`): from their lender profile page, confidence 0.70, verified 2026-10-15. Source: https://21stcenturylending.com/lo/mobrien21stcenturylending-com/
- **FHA loan** (`fha`): from their lender profile page, confidence 0.70, verified 2026-10-15. Source: https://21stcenturylending.com/lo/mobrien21stcenturylending-com/
- **Jumbo loan** (`jumbo`): from their lender profile page, confidence 0.70, verified 2026-10-15. Source: https://21stcenturylending.com/lo/mobrien21stcenturylending-com/
- **Real estate investor** (`investor`): from their lender profile page, confidence 0.70, verified 2026-10-15. Source: https://21stcenturylending.com/lo/mobrien21stcenturylending-com/
- **Reverse mortgage** (`reverse`): from their lender profile page, confidence 0.70, verified 2026-10-15. Source: https://21stcenturylending.com/lo/mobrien21stcenturylending-com/
- **USDA loan** (`usda`): from their lender profile page, confidence 0.70, verified 2026-10-15. Source: https://21stcenturylending.com/lo/mobrien21stcenturylending-com/
- **VA loan** (`va`): from their lender profile page, confidence 0.70, verified 2026-10-15. Source: https://21stcenturylending.com/lo/mobrien21stcenturylending-com/
- **DSCR loan** (`dscr`): from their lender profile page, confidence 0.60, verified 2026-10-15. Source: https://21stcenturylending.com/lo/mobrien21stcenturylending-com/
- **Non-QM loan** (`non-qm`): from their lender profile page, confidence 0.60, verified 2026-10-15. Source: https://21stcenturylending.com/lo/mobrien21stcenturylending-com/
- **Manufactured home** (`manufactured`): from their lender profile page, confidence 0.50, verified 2026-10-15. Source: https://21stcenturylending.com/lo/mobrien21stcenturylending-com/

## Facts from the lender page and intro

- service_area: Florida (FL). Source: https://21stcenturylending.com/lo/mobrien21stcenturylending-com/, verified 2026-10-15.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO139931 | active | confirmed | 2025-07-25 | state_regulator | 2026-10-15 |

## Employment history

- ? to present: Full Realty Services, Inc. (NMLS 241835), Jacksonville, FL. Source: https://21stcenturylending.com/lo/mobrien21stcenturylending-com/, verified 2026-10-15.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2709170

## Contact

- View profile at Full Realty Services, Inc.: https://21stcenturylending.com/lo/mobrien21stcenturylending-com/
- Office phone and Email on file: shown at https://lendb.ai/lo/michael-o-brien-2709170#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2709170
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip
- lender_site: https://21stcenturylending.com/lo/mobrien21stcenturylending-com/

Cite as: Michael "Mike" O'Brien (NMLS 2709170), Full Realty Services, Inc.. LenDb.ai, https://lendb.ai/lo/michael-o-brien-2709170, last verified 2026-10-15.

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