--- canonical_url: https://lendb.ai/lo/michael-pendergast-1904026 json_url: https://lendb.ai/lo/michael-pendergast-1904026.json nmls_id: 1904026 last_verified: 2026-10-26 --- # Michael Pendergast Loan Officer at Ladera Lending, Inc., Ladera Ranch, CA. NMLS ID 1904026 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1904026)). 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. **Summary:** Michael Pendergast (NMLS 1904026) is Loan Officer at Ladera Lending, Inc., based in Ladera Ranch, CA. Licensed in 6 states confirmed with state regulators: Florida, Texas, Colorado, California, Massachusetts and Maryland. Earliest state license record: March 25, 2020 (Florida), per state regulator. Last verified 2026-10-26. ## 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: https://dfpi.ca.gov/. ### 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: https://laderalending.com/team-member/michael-pendergast/. ### 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: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip. ## At a glance - Earliest state license record: March 25, 2020 (Florida), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience. - Also licensed as (state regulator records, same NMLS ID): Michael F. Pendergast (CA, CO, FL, MA, MD, TX, as of 2026-10-26) - Licensed in: Florida (FL, confirmed), Texas (TX, confirmed), Colorado (CO, confirmed), California (CA DFPI, confirmed), Massachusetts (MA, confirmed), Maryland (MD, confirmed) - Works at an FHA-approved lender, per HUD (HUD FHA data, loans endorsed through Aug 2026): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot - 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 (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.) - Profile: unclaimed - Status: active ## Specialties ### Focus (officer level: their own bio, title, certification, specialty list or claim) - None on file yet. ## Facts from the lender page and intro - years_experience: since 2020. Source: https://laderalending.com/team-member/michael-pendergast/, verified 2026-10-15. - other: over 10 years of experience providing customer service. Source: https://laderalending.com/team-member/michael-pendergast/, verified 2026-10-15. ## Licenses | State | Regulator | Type | Number | Status | Confidence | Issued | Source | Verified | |---|---|---|---|---|---|---|---|---| | FL | Florida regulator | state_license | LO69217 | active | confirmed | 2020-03-25 | state_regulator | 2026-10-15 | | TX | Texas regulator | state_license | n/a | active | confirmed | 2020-07-06 | state_regulator | 2026-10-13 | | CO | Colorado regulator | state_license | 100520296 | active | confirmed | 2020-12-15 | state_regulator | 2026-10-16 | | CA | California Department of Financial Protection and Innovation | state_license | CA-DBO1904026 | active | confirmed | 2020-06-01 | state_regulator | 2026-10-24 | | MA | Massachusetts regulator | state_license | MLO1904026 | active | confirmed | | state_regulator | 2026-10-26 | | MD | Maryland regulator | state_license | n/a | active | confirmed | | state_regulator | 2026-10-26 | ## Employment history - ? to present: Ladera Lending, Inc. (NMLS 835555), Ladera Ranch, CA. Source: https://laderalending.com/team-member/michael-pendergast/, 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/1904026 ## Contact - View profile at Ladera Lending, Inc.: https://laderalending.com/team-member/michael-pendergast/ - Office phone and Email on file: shown at https://lendb.ai/lo/michael-pendergast-1904026#contact after a quick human check (not available in this file, the API or MCP). ## Sources - nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1904026 - state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip - state_regulator: https://www.sml.texas.gov/ - state_regulator: https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=258939&contact=480975 - state_regulator: https://dfpi.ca.gov/ - state_regulator: https://www.mass.gov/lists/download-a-list-of-approved-licensees - state_regulator: https://www.labor.maryland.gov/finance/ - state_regulator: https://laderalending.com/team-member/michael-pendergast/ - HUD (FHA data): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot Cite as: Michael Pendergast (NMLS 1904026), Ladera Lending, Inc.. LenDb.ai, https://lendb.ai/lo/michael-pendergast-1904026, last verified 2026-10-26. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._