---
canonical_url: https://lendb.ai/lo/michelle-soto-ponce-306153
json_url: https://lendb.ai/lo/michelle-soto-ponce-306153.json
nmls_id: 306153
last_verified: 2026-10-15
---

# Michelle Luan Soto-Ponce

Mortgage Loan Officer at SecurityNational Mortgage Company, Austin, TX. NMLS ID 306153 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/306153)).

**Summary:** Michelle Luan Soto-Ponce (NMLS 306153) is Mortgage Loan Officer at SecurityNational Mortgage Company, based in Austin, TX. Licensed in Texas, confirmed with the state regulator. Speaks English and Spanish. Earliest state license record: October 19, 2020 (Texas), per state regulator. Last verified 2026-10-15.

## At a glance

- Earliest state license record: October 19, 2020 (Texas), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Licensed in: Texas (TX, 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: English, Spanish
- Profile: unclaimed
- Status: active

## Specialties

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

- None on file yet.

## About

Michelle Luan Soto-Ponce is a Mortgage Loan Officer in Austin, TX. Their profile lists English and Spanish as languages.

Source: LenDb summary of the lender page, verified 2026-10-15.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| TX | state_license | n/a | active | confirmed | 2020-10-19 | state_regulator | 2026-10-13 |

## Employment history

- ? to present: SecurityNational Mortgage Company (NMLS 3116), Austin, TX. Source: https://mortgage.snmc.com/tx/austin/michelle-luan-soto-ponce-306153.html, verified 2026-10-15.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/306153

## Contact

- linkedin_url: https://www.linkedin.com/in/michelle-soto-94783a156/ (source: lender_site, verified 2026-10-15)
- View profile at SecurityNational Mortgage Company: https://mortgage.snmc.com/tx/austin/michelle-luan-soto-ponce-306153.html
- Office phone and Email on file: shown at https://lendb.ai/lo/michelle-soto-ponce-306153#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/306153
- state_regulator: https://www.sml.texas.gov/
- state_regulator: https://mortgage.snmc.com/tx/austin/michelle-luan-soto-ponce-306153.html
- HUD (FHA data): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot

Cite as: Michelle Luan Soto-Ponce (NMLS 306153), SecurityNational Mortgage Company. LenDb.ai, https://lendb.ai/lo/michelle-soto-ponce-306153, last verified 2026-10-15.

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