---
canonical_url: https://lendb.ai/lo/michelle-bader-2138106
json_url: https://lendb.ai/lo/michelle-bader-2138106.json
nmls_id: 2138106
last_verified: 2026-10-09
---

# Michelle Bader

Mortgage Loan Officer at Loan Factory. NMLS ID 2138106 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2138106)).

**Summary:** Michelle Bader (NMLS 2138106) is Mortgage Loan Officer at Loan Factory. Licensed in Pennsylvania, confirmed with the state regulator (license 111374). Also lists Arizona, Hawaii, Texas and Washington on the lender page (not yet checked with the state regulator). Speaks English and Tagalog. Last verified 2026-10-09.

## At a glance

- Earliest state license record: none on file. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Licensed in: Pennsylvania (PA, confirmed), Arizona (AZ, lender_reported), Hawaii (HI, lender_reported), Texas (TX, lender_reported), Washington (WA, 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: English, Tagalog
- Profile: unclaimed
- Status: active

## Specialties


## About

Michelle has a background as a Credit Analyst in insurance and experience in Tax Accounting and Tax Law with the IRS. She serves clients across Washington, California, Arizona, Hawaii, Pennsylvania, and Texas, specializing in personalized mortgage solutions for first-time homebuyers and refinancing.

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

## Facts from the lender page and intro

- education: Bachelor's degree in Business Administration from Seattle University. Source: https://www.loanfactory.com/mortgage-expert/michelle-bader-2138106, verified 2026-10-09.
- role: Credit Analyst in the insurance industry. Source: https://www.loanfactory.com/mortgage-expert/michelle-bader-2138106, verified 2026-10-09.
- role: Tax Accounting and Tax Law professional with the IRS. Source: https://www.loanfactory.com/mortgage-expert/michelle-bader-2138106, verified 2026-10-09.
- service_area: Washington, California, Arizona, Hawaii, Pennsylvania, and Texas. Source: https://www.loanfactory.com/mortgage-expert/michelle-bader-2138106, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| PA | state_license | 111374 | active | confirmed |  | state_regulator | 2026-10-10 |
| AZ | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| HI | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| TX | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| WA | 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/michelle-bader-2138106, 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/2138106

## Contact

- View profile at Loan Factory: https://www.loanfactory.com/mortgage-expert/michelle-bader-2138106

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2138106
- state_regulator: https://data.pa.gov/d/tyxc-jyug
- lender_site: https://www.loanfactory.com/mortgage-expert/michelle-bader-2138106

Cite as: Michelle Bader (NMLS 2138106), Loan Factory. LenDb.ai, https://lendb.ai/lo/michelle-bader-2138106, last verified 2026-10-09.

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