Michael Pendergast
Loan Officer at Ladera Lending, Inc. · Ladera Ranch, CA
NMLS ID 1904026 (opens in a new tab) · verify at NMLS Consumer Access
Michael Pendergast (NMLS 1904026) is a Loan Officer at Ladera Lending, Inc. in Ladera Ranch, California, licensed in Florida since 2020 and in Texas, Colorado, California and 2 more states. Michael works at an FHA-approved lender, per HUD.
Last verified . Sources: Ladera Lending, Inc. (laderalending.com), Florida state regulator, Texas state regulator, Colorado state regulator, California state regulator, Massachusetts state regulator, Maryland state regulator and NMLS Consumer Access (license status, check live).
- Earliest state license record: March 25, 2020 (Florida), per state regulator
- Works at an FHA-approved lender, per HUD (opens in a new tab)
- 6 states
- Unclaimed profile
- Disciplinary history not yet checked
Quick answers
- Is Michael licensed in California?
- Yes. California regulator records list license CA-DBO1904026 as active, first effective June 1, 2020 (verified 2026-10-24). LenDb has 5 other states on file for Michael.
- Source: California state regulator (opens in a new tab)
- What lender does Michael work for, and is it FHA-approved?
- Ladera Lending, Inc., company NMLS 835555, from the Ladera Ranch, CA office, per the lender's own site (verified 2026-10-15). Works at an FHA-approved lender, per HUD (HUD FHA data, loans endorsed through Aug 2026).
- Source: lender site; HUD (opens in a new tab)
- How long has Michael been licensed?
- The earliest state license record LenDb holds for Michael is from March 25, 2020 (Florida regulator). That is a record date from the rosters we hold, not proof of continuous licensure.
- Source: Florida state regulator (opens in a new tab)
Specialties
Focus
No focus listed on their lender page yet.
Focus is the loan officer's own: their bio, title, a certification or their own specialty list on their lender page, or what they report. Programs their lender offers are listed separately and never count as their focus in search.
Licensed states
Florida, Texas, Colorado, California, Massachusetts, Maryland
✓ Confirmed with the state regulator: FL (opens in a new tab) (LO69217, first effective 2020-03-25), TX (opens in a new tab), CO (opens in a new tab) (100520296, first effective 2020-12-15), CA DFPI (opens in a new tab) (CA-DBO1904026, first effective 2020-06-01), MA (opens in a new tab) (MLO1904026), MD (opens in a new tab), verified 2026-10-15.
Contact
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Employment history
Ladera Lending, Inc. NMLS 835555
Current · Ladera Ranch, CA · seen on lender site 2026-10-15
Disciplinary history
Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access (opens in a new tab).
About
- Also
- over 10 years of experience providing customer service
- Source (opens in a new tab), verified 2026-10-15
Sources
| Name and employer | state regulator · laderalending.com (opens in a new tab) | verified 2026-10-15 |
| Licenses (regulator) | state regulator · labor.maryland.gov (opens in a new tab) | verified 2026-10-26 |
| Contact | lender site · laderalending.com (opens in a new tab) | verified 2026-10-15 |
| Photo | state regulator · laderalending.com (opens in a new tab) | verified 2026-10-15 |
| License status | NMLS Consumer Access (opens in a new tab) | check live |
Also available as Markdown, JSON, or via the API.
Cite as: Michael Pendergast (NMLS 1904026), Ladera Lending, Inc.. LenDb.ai, https://lendb.ai/lo/michael-pendergast-1904026, last verified 2026-10-26.
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