---
canonical_url: https://lendb.ai/lo/michael-paul-flannery-2860973
json_url: https://lendb.ai/lo/michael-paul-flannery-2860973.json
nmls_id: 2860973
last_verified: 2026-10-09
---

# Michael Paul Flannery

Mortgage Loan Officer at Loan Factory. NMLS ID 2860973 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2860973)).

**Summary:** Michael Paul Flannery (NMLS 2860973) is Mortgage Loan Officer at Loan Factory. Lists California on the lender page (not yet checked with the state regulator). States 20 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): 20 (source: https://www.loanfactory.com/mortgage-expert/michael-paul-flannery-2860973, 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


## About

Michael is a patient and thorough mortgage professional with 20 years of experience in IT administration before becoming an MLO, bringing problem-solving focus to home financing in California.

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

## Facts from the lender page and intro

- years_experience: 20. Source: https://www.loanfactory.com/mortgage-expert/michael-paul-flannery-2860973, 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). Source: https://www.loanfactory.com/mortgage-expert/michael-paul-flannery-2860973, 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/2860973

## Contact

- View profile at Loan Factory: https://www.loanfactory.com/mortgage-expert/michael-paul-flannery-2860973

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2860973
- lender_site: https://www.loanfactory.com/mortgage-expert/michael-paul-flannery-2860973

Cite as: Michael Paul Flannery (NMLS 2860973), Loan Factory. LenDb.ai, https://lendb.ai/lo/michael-paul-flannery-2860973, last verified 2026-10-09.

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