---
canonical_url: https://lendb.ai/lo/michael-schad-1018725
json_url: https://lendb.ai/lo/michael-schad-1018725.json
nmls_id: 1018725
last_verified: 2026-10-09
---

# Michael Schad

Mortgage Loan Officer at Loan Factory. NMLS ID 1018725 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1018725)).

**Summary:** Michael Schad (NMLS 1018725) is Mortgage Loan Officer at Loan Factory. Licensed in Florida, confirmed with the state regulator (license LO106371). Also lists Illinois, Indiana and Kentucky on the lender page (not yet checked with the state regulator). Licensed since 2022 (per Florida records). Last verified 2026-10-09.

## At a glance

- Licensed since 2022 (per Florida records). This is license history on file, not total experience.
- Licensed in: Florida (FL, confirmed), Illinois (IL, lender_reported), Indiana (IN, lender_reported), Kentucky (KY, 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


## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO106371 | active | confirmed | 2022-04-21 | state_regulator | 2026-10-09 |
| IL | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| IN | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| KY | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: Loan Factory (NMLS 320841). Source: https://www.loanfactory.com/mortgage-expert/michael-schad-1018725, 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/1018725

## Contact

- linkedin_url: https://www.linkedin.com/in/michael-schad-6b152551/ (source: lender_site, verified 2026-10-09)
- View profile at Loan Factory: https://www.loanfactory.com/mortgage-expert/michael-schad-1018725

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1018725
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip
- lender_site: https://www.loanfactory.com/mortgage-expert/michael-schad-1018725

Cite as: Michael Schad (NMLS 1018725), Loan Factory. LenDb.ai, https://lendb.ai/lo/michael-schad-1018725, last verified 2026-10-09.

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