---
canonical_url: https://lendb.ai/lo/michael-santulli-119214
json_url: https://lendb.ai/lo/michael-santulli-119214.json
nmls_id: 119214
last_verified: 2026-10-09
---

# Michael Santulli

Branch Manager/Licensed Loan Originator at Homestead Funding, Watertown, NY. NMLS ID 119214 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/119214)).

**Summary:** Michael Santulli (NMLS 119214) is Branch Manager/Licensed Loan Originator at Homestead Funding, based in Watertown, NY. Lists New York on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: VA loan and First-time buyer. States 30 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): 30 (source: https://www.homesteadfunding.com/loan-originators/michael-santulli, verified 2026-10-09)
- Licensed in: New York (NY, 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

- **VA loan** (`va`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.homesteadfunding.com/loan-originators/michael-santulli
- **First-time buyer** (`first-time-buyer`): lender page, confidence 0.60, verified 2026-10-09. Source: https://www.homesteadfunding.com/loan-originators/michael-santulli

## About

Michael brings over 30 years of mortgage experience including retail banking, loan origination, and branch leadership. He is especially skilled in VA loans and guides veterans, active-duty service members, and diverse clients toward homeownership.

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

## Facts from the lender page and intro

- years_experience: 30. Source: https://www.homesteadfunding.com/loan-originators/michael-santulli, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| NY | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: Homestead Funding (NMLS 3232), Watertown, NY. Source: https://www.homesteadfunding.com/loan-originators/michael-santulli, 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/119214

## Contact

- View profile at Homestead Funding: https://www.homesteadfunding.com/loan-originators/michael-santulli
- Office phone and Email on file: shown at https://lendb.ai/lo/michael-santulli-119214#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/119214
- lender_site: https://www.homesteadfunding.com/loan-originators/michael-santulli

Cite as: Michael Santulli (NMLS 119214), Homestead Funding. LenDb.ai, https://lendb.ai/lo/michael-santulli-119214, last verified 2026-10-09.

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