---
canonical_url: https://lendb.ai/lo/michelle-dapkus-1237812
json_url: https://lendb.ai/lo/michelle-dapkus-1237812.json
nmls_id: 1237812
last_verified: 2026-10-15
---

# Michelle Dapkus

Branch Manager at Veterans United Home Loans, Scott Air Force Base, IL. NMLS ID 1237812 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1237812)).

**Summary:** Michelle Dapkus (NMLS 1237812) is Branch Manager at Veterans United Home Loans, based in Scott Air Force Base, IL. Licensed in Florida, confirmed with the state regulator (license LO28278). Veterans United Home Loans also offers FHA loan, First-time buyer, Jumbo loan, Renovation loan (203k / HomeStyle) and USDA loan and 1 more (a lender program, not confirmed as their own focus). Earliest state license record: February 3, 2015 (Florida), per state regulator. Last verified 2026-10-15.

## At a glance

- Earliest state license record: February 3, 2015 (Florida), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Licensed in: Florida (FL, confirmed)
- Works at an FHA-approved lender, per HUD (HUD FHA data, loans endorsed through Aug 2026): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot
- 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

### Focus (officer level: their own bio, title, certification, specialty list or claim)

- None on file yet.

### Their lender offers (lender level: Veterans United Home Loans's programs, not confirmed as this person's focus)

- **FHA loan** (`fha`): verified 2026-10-10. Source: https://www.veteransunited.com
- **First-time buyer** (`first-time-buyer`): verified 2026-10-10. Source: https://www.veteransunited.com
- **Jumbo loan** (`jumbo`): verified 2026-10-10. Source: https://www.veteransunited.com
- **Renovation loan (203k / HomeStyle)** (`renovation`): verified 2026-10-10. Source: https://www.veteransunited.com
- **USDA loan** (`usda`): verified 2026-10-10. Source: https://www.veteransunited.com
- **VA loan** (`va`): verified 2026-10-10. Source: https://www.veteransunited.com

## About

Michelle has been on the branch loan team since 2011 and focuses on giving each borrower a smooth, stress-free experience from start to finish.

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

## Facts from the lender page and intro

- role: Co-Branch Manager and Loan Officer. Source: https://stlouis.veteransunited.com/lo/michelle-dapkus/, verified 2026-10-10.
- other: On the loan team since the branch opened in 2011. Source: https://stlouis.veteransunited.com/lo/michelle-dapkus/, verified 2026-10-10.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO28278 | active | confirmed | 2015-02-03 | state_regulator | 2026-10-15 |

## Employment history

- ? to present: Veterans United Home Loans (NMLS 1907), Scott Air Force Base, IL. Source: https://stlouis.veteransunited.com/lo/michelle-dapkus/, verified 2026-10-10.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1237812

## Contact

- View profile at Veterans United Home Loans: https://stlouis.veteransunited.com/lo/michelle-dapkus/
- Office phone and Email on file: shown at https://lendb.ai/lo/michelle-dapkus-1237812#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1237812
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip
- lender_site: https://stlouis.veteransunited.com/lo/michelle-dapkus/
- lender_site (lender programs): https://www.veteransunited.com
- HUD (FHA data): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot

Cite as: Michelle Dapkus (NMLS 1237812), Veterans United Home Loans. LenDb.ai, https://lendb.ai/lo/michelle-dapkus-1237812, last verified 2026-10-15.

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