---
canonical_url: https://lendb.ai/lo/michelle-smith-236689
json_url: https://lendb.ai/lo/michelle-smith-236689.json
nmls_id: 236689
last_verified: 2026-10-09
---

# Michelle Smith

Licensed Mortgage Professional at Homeowners Financial Group, Scottsdale, AZ. NMLS ID 236689 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/236689)).

**Summary:** Michelle Smith (NMLS 236689) is Licensed Mortgage Professional at Homeowners Financial Group, based in Scottsdale, AZ. Lists Arizona and Colorado on the lender page (not yet checked with the state regulator). Last verified 2026-10-09.

## 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.
- Licensed in: Arizona (AZ, lender_reported), Colorado (CO, 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 9 years of experience as a loan officer and has built a referral-based business emphasizing integrity, honesty, and client education. She supports Phoenix Children's Hospital and the Boys and Girls Club of America.

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

## Facts from the lender page and intro

- years_experience: nine years. Source: https://homeownersfg.com/michellesmith/, verified 2026-10-09.
- community: Supports Phoenix Children's Hospital and The Boys and Girls Club of America. Source: https://homeownersfg.com/michellesmith/, 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 |
| CO | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: Homeowners Financial Group (NMLS 93718), Scottsdale, AZ. Source: https://homeownersfg.com/michellesmith/, 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/236689

## Contact

- linkedin_url: https://www.linkedin.com/in/michelle-smith-3b6323226/ (source: lender_site, verified 2026-10-09)
- View profile at Homeowners Financial Group: https://homeownersfg.com/michellesmith/
- Office phone and Email on file: shown at https://lendb.ai/lo/michelle-smith-236689#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/236689
- lender_site: https://homeownersfg.com/michellesmith/

Cite as: Michelle Smith (NMLS 236689), Homeowners Financial Group. LenDb.ai, https://lendb.ai/lo/michelle-smith-236689, last verified 2026-10-09.

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