---
canonical_url: https://lendb.ai/lo/michael-rand-400814
json_url: https://lendb.ai/lo/michael-rand-400814.json
nmls_id: 400814
last_verified: 2026-10-09
---

# Michael Rand

Mortgage Loan Originator at U.S. Bank, Circle Pines, MN. NMLS ID 400814 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/400814)).

**Summary:** Michael Rand (NMLS 400814) is Mortgage Loan Originator at U.S. Bank, based in Circle Pines, MN. Works at a bank, so likely federally registered: Federally registered MLOs aren't state-licensed; verify at NMLS. 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.
- Licensed in: no license list on file; check NMLS Consumer Access
- Federal registration: likely (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS.
- 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


## Facts from the lender page and intro

- service_area: Stillwater, MN; Hudson, WI; Pine City, MN; Shoreview, MN. Source: https://mortgage.usbank.com/mn/circle-pines/michael-rand-400814, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|

## Employment history

- ? to present: U.S. Bank (NMLS 402761), Circle Pines, MN. Source: https://mortgage.usbank.com/mn/circle-pines/michael-rand-400814, 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/400814

## Contact

- View profile at U.S. Bank: https://mortgage.usbank.com/mn/circle-pines/michael-rand-400814
- Office phone and Email on file: shown at https://lendb.ai/lo/michael-rand-400814#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/400814
- lender_site: https://mortgage.usbank.com/mn/circle-pines/michael-rand-400814

Cite as: Michael Rand (NMLS 400814), U.S. Bank. LenDb.ai, https://lendb.ai/lo/michael-rand-400814, last verified 2026-10-09.

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