---
canonical_url: https://lendb.ai/lo/michelle-mathewskalinock-195916
json_url: https://lendb.ai/lo/michelle-mathewskalinock-195916.json
nmls_id: 195916
last_verified: 2026-10-11
---

# Michelle Mathews-Kalinock

Loan Officer at CMG Home Loans, Annapolis, MD. NMLS ID 195916 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/195916)).

**Summary:** Michelle Mathews-Kalinock (NMLS 195916) is Loan Officer at CMG Home Loans, based in Annapolis, MD. Licensed in Pennsylvania, confirmed with the state regulator (license 48570). Also lists District of Columbia, Delaware, Maryland and Virginia on the lender page (not yet checked with the state regulator). States 30 years of experience. Last verified 2026-10-11.

## 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.
- Years experience (stated by the LO): 30 (source: https://www.fairway.com/lo/michelle-mathewskalinock-195916, verified 2026-10-09)
- Licensed in: District of Columbia (DC, lender_reported), Delaware (DE, lender_reported), Maryland (MD, lender_reported), Pennsylvania (PA, confirmed), Virginia (VA, 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 32 years of lending experience and focuses on fast, seamless closings, often clearing clients to close in 10-12 business days. They emphasize clear communication and work closely with Realtors and title attorneys.

Source: LenDb summary of the lender page, verified 2026-10-11.

## Facts from the lender page and intro

- years_experience: 30. Source: https://www.fairway.com/lo/michelle-mathewskalinock-195916, verified 2026-10-09.
- education: Bachelor's degree from Towson State University with concentration in Finance. Source: https://www.fairway.com/lo/michelle-mathewskalinock-195916, verified 2026-10-09.
- years_experience: 32. Source: https://www.cmghomeloans.com/mysite/michelle-mathews-kalinock, verified 2026-10-11.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| DC | state_license | 48570 | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| DE | state_license | MLO-195916 | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| MD | state_license | 195916 | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| PA | state_license | 48570 | active | confirmed |  | state_regulator | 2026-10-10 |
| VA | state_license | MLO-21222VA | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: CMG Home Loans (NMLS 1820), Annapolis, MD. Source: https://www.cmghomeloans.com/mysite/michelle-mathews-kalinock, verified 2026-10-11.
- ? to 2026-10-11: Fairway Independent Mortgage Corporation (NMLS 2289), Crofton, MD. Source: https://www.fairway.com/lo/michelle-mathewskalinock-195916, 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/195916

## Contact

- View profile at CMG Home Loans: https://www.cmghomeloans.com/mysite/michelle-mathews-kalinock
- Office phone and Email on file: shown at https://lendb.ai/lo/michelle-mathewskalinock-195916#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/195916
- lender_site: https://www.fairway.com/lo/michelle-mathewskalinock-195916
- state_regulator: https://data.pa.gov/d/tyxc-jyug
- lender_site: https://www.cmghomeloans.com/mysite/michelle-mathews-kalinock

Cite as: Michelle Mathews-Kalinock (NMLS 195916), CMG Home Loans. LenDb.ai, https://lendb.ai/lo/michelle-mathewskalinock-195916, last verified 2026-10-11.

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