{
  "canonical_url": "https://lendb.ai/lo/michael-pendergast-1904026",
  "lede": {
    "text": "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.",
    "fields": [
      "full_name",
      "nmls_id",
      "title",
      "current_employment",
      "licenses",
      "earliest_license_record",
      "employer_program_approvals"
    ]
  },
  "quick_answers": [
    {
      "q": "Is Michael licensed in California?",
      "a": "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.",
      "fields": [
        "licenses"
      ],
      "source": "California state regulator",
      "source_url": "https://dfpi.ca.gov/",
      "verified_at": "2026-10-24"
    },
    {
      "q": "What lender does Michael work for, and is it FHA-approved?",
      "a": "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).",
      "fields": [
        "current_employment",
        "employer_program_approvals"
      ],
      "source": "lender site; HUD",
      "source_url": "https://laderalending.com/team-member/michael-pendergast/",
      "verified_at": "2026-10-15"
    },
    {
      "q": "How long has Michael been licensed?",
      "a": "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.",
      "fields": [
        "earliest_license_record"
      ],
      "source": "Florida state regulator",
      "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip",
      "verified_at": "2026-10-15"
    }
  ],
  "field_notes": {
    "languages": "Languages come only from the loan officer's own lender page, and most lender pages do not list languages. A language that is not listed means not stated, not that the loan officer does not speak it."
  },
  "loan_officer": {
    "nmls_id": 1904026,
    "slug": "michael-pendergast-1904026",
    "canonical_url": "https://lendb.ai/lo/michael-pendergast-1904026",
    "md_url": "https://lendb.ai/lo/michael-pendergast-1904026.md",
    "json_url": "https://lendb.ai/lo/michael-pendergast-1904026.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1904026",
    "full_name": {
      "value": "Michael Pendergast",
      "source": "state_regulator",
      "source_url": "https://laderalending.com/team-member/michael-pendergast/",
      "verified_at": "2026-10-15"
    },
    "first_name": "Michael",
    "last_name": "Pendergast",
    "licensed_names": [
      {
        "name": "Michael Pendergast",
        "name_with_middle_initial": "Michael F. Pendergast",
        "first_name": "Michael",
        "middle_initial": "F",
        "last_name": "Pendergast",
        "states": [
          "CA",
          "CO",
          "FL",
          "MA",
          "MD",
          "TX"
        ],
        "source": "state_regulator",
        "as_of": "2026-10-26"
      }
    ],
    "headshot_url": {
      "value": "https://laderalending.com/clients/12240/uploads/2021/07/Michael-Pendergast.jpg",
      "source": "state_regulator",
      "source_url": "https://laderalending.com/team-member/michael-pendergast/",
      "verified_at": "2026-10-15"
    },
    "bio": null,
    "title": {
      "value": "Loan Officer",
      "source": "state_regulator",
      "source_url": "https://laderalending.com/team-member/michael-pendergast/",
      "verified_at": "2026-10-15"
    },
    "languages": {
      "value": [],
      "source": "state_regulator",
      "source_url": "https://laderalending.com/team-member/michael-pendergast/",
      "verified_at": "2026-10-15"
    },
    "years_licensed": null,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 65,
    "current_employment": {
      "lender_nmls_id": 835555,
      "lender_name": "Ladera Lending, Inc.",
      "lender_slug": "ladera-lending-inc-835555",
      "branch_city": "Ladera Ranch",
      "branch_state": "CA",
      "branch_zip": "92694",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://laderalending.com/team-member/michael-pendergast/",
      "lender_type": "imb",
      "source": "state_regulator",
      "source_url": "https://laderalending.com/team-member/michael-pendergast/",
      "verified_at": "2026-10-15"
    },
    "employment_history": [
      {
        "lender_nmls_id": 835555,
        "lender_name": "Ladera Lending, Inc.",
        "lender_slug": "ladera-lending-inc-835555",
        "branch_city": "Ladera Ranch",
        "branch_state": "CA",
        "branch_zip": "92694",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://laderalending.com/team-member/michael-pendergast/",
        "lender_type": "imb",
        "source": "state_regulator",
        "source_url": "https://laderalending.com/team-member/michael-pendergast/",
        "verified_at": "2026-10-15"
      }
    ],
    "licenses": [
      {
        "state": "FL",
        "license_type": "state_license",
        "license_number": "LO69217",
        "status": "active",
        "issued_at": "2020-03-25",
        "source": "state_regulator",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip",
        "verified_at": "2026-10-15",
        "confidence": "confirmed",
        "regulator": "fl"
      },
      {
        "state": "TX",
        "license_type": "state_license",
        "license_number": null,
        "status": "active",
        "issued_at": "2020-07-06",
        "source": "state_regulator",
        "source_url": "https://www.sml.texas.gov/",
        "verified_at": "2026-10-13",
        "confidence": "confirmed",
        "regulator": "tx"
      },
      {
        "state": "CO",
        "license_type": "state_license",
        "license_number": "100520296",
        "status": "active",
        "issued_at": "2020-12-15",
        "source": "state_regulator",
        "source_url": "https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=258939&contact=480975",
        "verified_at": "2026-10-16",
        "confidence": "confirmed",
        "regulator": "co"
      },
      {
        "state": "CA",
        "license_type": "state_license",
        "license_number": "CA-DBO1904026",
        "status": "active",
        "issued_at": "2020-06-01",
        "source": "state_regulator",
        "source_url": "https://dfpi.ca.gov/",
        "verified_at": "2026-10-24",
        "confidence": "confirmed",
        "regulator": "ca_dfpi",
        "regulator_name": "California Department of Financial Protection and Innovation"
      },
      {
        "state": "MA",
        "license_type": "state_license",
        "license_number": "MLO1904026",
        "status": "active",
        "issued_at": null,
        "source": "state_regulator",
        "source_url": "https://www.mass.gov/lists/download-a-list-of-approved-licensees",
        "verified_at": "2026-10-26",
        "confidence": "confirmed",
        "regulator": "ma"
      },
      {
        "state": "MD",
        "license_type": "state_license",
        "license_number": null,
        "status": "active",
        "issued_at": null,
        "source": "state_regulator",
        "source_url": "https://www.labor.maryland.gov/finance/",
        "verified_at": "2026-10-26",
        "confidence": "confirmed",
        "regulator": "md"
      }
    ],
    "specialties": [],
    "lender_offers": [],
    "employer_program_approvals": [
      {
        "program": "fha",
        "source": "HUD",
        "as_of": "2026-08",
        "source_url": "https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot"
      }
    ],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "since 2020",
        "source": "lender_site",
        "source_url": "https://laderalending.com/team-member/michael-pendergast/",
        "verified_at": "2026-10-15"
      },
      {
        "kind": "other",
        "value": "over 10 years of experience providing customer service",
        "source": "lender_site",
        "source_url": "https://laderalending.com/team-member/michael-pendergast/",
        "verified_at": "2026-10-15"
      }
    ],
    "last_verified_at": "2026-10-26",
    "updated_at": "2026-10-26 20:25:00.137651+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/michael-pendergast-1904026#contact",
      "note": "Phone and email are shown on the profile page after a quick human check, one profile at a time. They are not available through the API or MCP. To reach this loan officer, open reveal_url or lender_profile_url.",
      "source": "lender_site",
      "source_url": "https://laderalending.com/team-member/michael-pendergast/",
      "verified_at": "2026-10-15"
    },
    "earliest_license_record": {
      "date": "2020-03-25",
      "state": "FL"
    },
    "licensed_since": {
      "year": 2020,
      "state": "FL"
    },
    "federal_registration": null
  }
}