---
canonical_url: https://lendb.ai/lo/michelle-cockrell-919190
json_url: https://lendb.ai/lo/michelle-cockrell-919190.json
nmls_id: 919190
last_verified: 2026-10-09
---

# Michelle Cockrell

Loan Officer at Xpert Home Lending. NMLS ID 919190 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/919190)).

**Summary:** Michelle Cockrell (NMLS 919190) is Loan Officer at Xpert Home Lending. Lists Arizona and California on the lender page (not yet checked with the state regulator). States 14 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): 14 (source: https://xperthomelending.com/loan-directory/michelle-cockrell, verified 2026-10-09)
- Licensed in: Arizona (AZ, lender_reported), California (CA, 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

Michelle has 14+ years of mortgage industry experience since 2012, serving first-time homebuyers and real estate investors in California and Arizona.

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

## Facts from the lender page and intro

- years_experience: 14. Source: https://xperthomelending.com/loan-directory/michelle-cockrell, verified 2026-10-09.
- service_area: California and Arizona. Source: https://xperthomelending.com/loan-directory/michelle-cockrell, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| 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 |

## Employment history

- ? to present: Xpert Home Lending (NMLS 2179191). Source: https://xperthomelending.com/loan-directory/michelle-cockrell, 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/919190

## Contact

- View profile at Xpert Home Lending: https://xperthomelending.com/loan-directory/michelle-cockrell
- Office phone and Email on file: shown at https://lendb.ai/lo/michelle-cockrell-919190#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/919190
- lender_site: https://xperthomelending.com/loan-directory/michelle-cockrell

Cite as: Michelle Cockrell (NMLS 919190), Xpert Home Lending. LenDb.ai, https://lendb.ai/lo/michelle-cockrell-919190, last verified 2026-10-09.

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