---
canonical_url: https://lendb.ai/lo/michael-socha-721736
json_url: https://lendb.ai/lo/michael-socha-721736.json
nmls_id: 721736
last_verified: 2026-10-09
---

# Michael Socha

Loan Officer at Xpert Home Lending. NMLS ID 721736 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/721736)).

**Summary:** Michael Socha (NMLS 721736) is Loan Officer at Xpert Home Lending. Licensed in 2 states confirmed with state regulators: Florida and Colorado. Also lists Arizona, California, Georgia, Iowa, Illinois, Michigan, Minnesota, Oregon and 2 more on the lender page (not yet checked with the state regulator). Licensed since 2019 (per Colorado records). States 20 years of experience. Last verified 2026-10-09.

## At a glance

- Licensed since 2019 (per Colorado records). This is license history on file, not total experience.
- Years experience (stated by the LO): 20 (source: https://xperthomelending.com/loan-directory/michael-socha, verified 2026-10-09)
- Licensed in: Florida (FL, confirmed), Colorado (CO, confirmed), Arizona (AZ, lender_reported), California (CA, lender_reported), Georgia (GA, lender_reported), Iowa (IA, lender_reported), Illinois (IL, lender_reported), Michigan (MI, lender_reported), Minnesota (MN, lender_reported), Oregon (OR, lender_reported), Tennessee (TN, lender_reported), Virginia (VA, 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


## About

Michael is a distinguished mortgage lending professional with 20+ years of industry experience, serving 12 states.

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

## Facts from the lender page and intro

- years_experience: 20. Source: https://xperthomelending.com/loan-directory/michael-socha, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO65824 | active | confirmed | 2019-11-22 | state_regulator | 2026-10-09 |
| CO | state_license | 100515130 | active | confirmed | 2019-09-26 | state_regulator | 2026-10-10 |
| AZ | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| CA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| GA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| IA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| IL | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| MI | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| MN | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| OR | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| TN | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| VA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: Xpert Home Lending (NMLS 2179191). Source: https://xperthomelending.com/loan-directory/michael-socha, 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/721736

## Contact

- View profile at Xpert Home Lending: https://xperthomelending.com/loan-directory/michael-socha
- Office phone on file: shown at https://lendb.ai/lo/michael-socha-721736#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/721736
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip
- state_regulator: https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=238462&contact=458488
- lender_site: https://xperthomelending.com/loan-directory/michael-socha

Cite as: Michael Socha (NMLS 721736), Xpert Home Lending. LenDb.ai, https://lendb.ai/lo/michael-socha-721736, last verified 2026-10-09.

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