---
canonical_url: https://lendb.ai/lo/michelle-cieniewicz-2277845
json_url: https://lendb.ai/lo/michelle-cieniewicz-2277845.json
nmls_id: 2277845
last_verified: 2026-10-09
---

# Michelle Cieniewicz

Senior Home Lending Advisor at JPMorgan Chase Bank (Chase Home Lending), Wilmington, DE. NMLS ID 2277845 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2277845)).

**Summary:** Michelle Cieniewicz (NMLS 2277845) is Senior Home Lending Advisor at JPMorgan Chase Bank (Chase Home Lending), based in Wilmington, DE. Licensed in Pennsylvania, confirmed with the state regulator (license 111649). Works at a bank, so likely federally registered: Federally registered MLOs aren't state-licensed; verify at NMLS. Focus areas shown on the lender page: Vacation home, VA loan, FHA loan and First-time buyer. 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: Pennsylvania (PA, confirmed)
- 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

- **Vacation home** (`vacation-home`): lender page, confidence 0.70, verified 2026-10-09. Source: https://homelendingadvisor.chase.com/de/wilmington/4700-limestone-rd-hla-2277845
- **VA loan** (`va`): lender page, confidence 0.46, verified 2026-10-09. Source: https://homelendingadvisor.chase.com/de/wilmington/4700-limestone-rd-hla-2277845
- **FHA loan** (`fha`): lender page, confidence 0.43, verified 2026-10-09. Source: https://homelendingadvisor.chase.com/de/wilmington/4700-limestone-rd-hla-2277845
- **First-time buyer** (`first-time-buyer`): lender page, confidence 0.10, verified 2026-10-09. Source: https://homelendingadvisor.chase.com/de/wilmington/4700-limestone-rd-hla-2277845

## About

Michelle serves clients nationwide with a primary focus in DE, NJ, MD & PA. She specializes in preapproval, FHA mortgages, VA mortgages, fixed-rate mortgages, vacation home financing, and first-time homebuyer programs.

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

## Facts from the lender page and intro

- credential: Chase Certified in FHA Loans. Source: https://homelendingadvisor.chase.com/de/wilmington/4700-limestone-rd-hla-2277845, verified 2026-10-09.
- service_area: DE, NJ, MD & PA with nationwide reach. Source: https://homelendingadvisor.chase.com/de/wilmington/4700-limestone-rd-hla-2277845, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| PA | state_license | 111649 | active | confirmed |  | state_regulator | 2026-10-10 |

## Employment history

- ? to present: JPMorgan Chase Bank (Chase Home Lending) (NMLS 399798), Wilmington, DE. Source: https://homelendingadvisor.chase.com/de/wilmington/4700-limestone-rd-hla-2277845, 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/2277845

## Contact

- View profile at JPMorgan Chase Bank (Chase Home Lending): https://homelendingadvisor.chase.com/de/wilmington/4700-limestone-rd-hla-2277845
- Office phone and Email on file: shown at https://lendb.ai/lo/michelle-cieniewicz-2277845#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2277845
- state_regulator: https://data.pa.gov/d/tyxc-jyug
- lender_site: https://homelendingadvisor.chase.com/de/wilmington/4700-limestone-rd-hla-2277845

Cite as: Michelle Cieniewicz (NMLS 2277845), JPMorgan Chase Bank (Chase Home Lending). LenDb.ai, https://lendb.ai/lo/michelle-cieniewicz-2277845, last verified 2026-10-09.

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