---
canonical_url: https://lendb.ai/lo/michelle-human-335996
json_url: https://lendb.ai/lo/michelle-human-335996.json
nmls_id: 335996
last_verified: 2026-10-09
---

# Michelle Dennard

Senior Loan Officer at Embrace Home Loans, Viera, FL. NMLS ID 335996 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/335996)).

**Summary:** Michelle Dennard (NMLS 335996) is Senior Loan Officer at Embrace Home Loans, based in Viera, FL. Licensed in Florida, confirmed with the state regulator (license LO27746). Licensed since 2014 (per Florida records). Last verified 2026-10-09.

## At a glance

- Licensed since 2014 (per Florida records). This is license history on file, not total experience.
- Licensed in: Florida (FL, confirmed)
- 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 Dennard is a Senior Loan Officer with years of experience guiding families through VA loans, first-time homebuyer programs, new construction financing, and rental property portfolios across Florida's Space Coast and surrounding counties.

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

## Facts from the lender page and intro

- service_area: Titusville, Florida; Brevard County including Mims, Merritt Island, Cocoa Beach, Rockledge, Melbourne, Palm Bay, Viera; Volusia County including New Smyrna Beach, Edgewater, Oak Hill, Ormond Beach, Po. Source: https://www.embracehomeloans.com/location/florida/viera/michelle-dennard, verified 2026-10-09.
- credential: Background in construction lending; coordinated financing with builders for new construction homes. Source: https://www.embracehomeloans.com/location/florida/viera/michelle-dennard, verified 2026-10-09.
- role: Outside Loan Originator at Cross Country Mortgage. Source: https://www.embracehomeloans.com/location/florida/viera/michelle-dennard, verified 2026-10-09.
- community: Volunteers with Local Church in Mims in children's ministry; supports K9s for Warriors organization. Source: https://www.embracehomeloans.com/location/florida/viera/michelle-dennard, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO27746 | active | confirmed | 2014-12-15 | state_regulator | 2026-10-09 |

## Employment history

- ? to present: Embrace Home Loans (NMLS 2184), Viera, FL. Source: https://www.embracehomeloans.com/location/florida/viera/michelle-dennard, 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/335996

## Contact

- View profile at Embrace Home Loans: https://www.embracehomeloans.com/location/florida/viera/michelle-dennard
- Office phone and Email on file: shown at https://lendb.ai/lo/michelle-human-335996#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/335996
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip
- lender_site: https://www.embracehomeloans.com/location/florida/viera/michelle-dennard

Cite as: Michelle Dennard (NMLS 335996), Embrace Home Loans. LenDb.ai, https://lendb.ai/lo/michelle-human-335996, last verified 2026-10-09.

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