--- canonical_url: https://lendb.ai/lo/mike-semo-2101766 json_url: https://lendb.ai/lo/mike-semo-2101766.json nmls_id: 2101766 last_verified: 2026-10-15 --- # Mike Semo Mortgage Loan Originator at Trident Home Loans, Pensacola, FL. NMLS ID 2101766 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2101766)). Mike Semo, NMLS 2101766, works as a Mortgage Loan Originator at Trident Home Loans in Pensacola, Florida and is licensed in Pennsylvania. Mike's lender page shows a focus on VA loan, refinance and real estate investor. **Summary:** Mike Semo (NMLS 2101766) is Mortgage Loan Originator at Trident Home Loans, based in Pensacola, FL. Licensed in Pennsylvania, confirmed with the state regulator (license 81640). Also lists Georgia and Virginia on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: VA loan, Refinance and Real estate investor. Trident Home Loans also offers Condo, Construction loan, FHA loan, Jumbo loan and Low credit score and 3 more (a lender program, not confirmed as their own focus). Last verified 2026-10-15. ## Quick answers ### Is Mike licensed in Pennsylvania? Yes. Pennsylvania regulator records list license 81640 as active (verified 2026-10-16). LenDb has 2 other states on file for Mike. Source: https://data.pa.gov/d/tyxc-jyug. ### Does Mike do VA loans? Mike's profile lists VA loan as a focus (from their lender profile page). It also lists refinance and real estate investor. Source: https://tridenthomeloans.com/mike-semo/. ### What lender does Mike work for? Trident Home Loans, company NMLS 65716, from the Pensacola, FL office, per the lender's own site (verified 2026-10-15). Source: https://tridenthomeloans.com/mike-semo/. ## 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. - Also licensed as (state regulator records, same NMLS ID): Michael K. Semo (PA, as of 2026-10-09) - Licensed in: Pennsylvania (PA, confirmed), Georgia (GA, lender_reported), 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 (Languages come only from the loan officer's own lender page, and most lender pages do not list languages. A language that is not listed means not stated, not that the loan officer does not speak it.) - Profile: unclaimed - Status: active ## Specialties ### Focus (officer level: their own bio, title, certification, specialty list or claim) - **VA loan** (`va`): from their lender profile page, confidence 0.90, verified 2026-10-26. Source: https://tridenthomeloans.com/mike-semo/ - **Refinance** (`refinance`): from their lender profile page, confidence 0.85, verified 2026-10-26. Source: https://tridenthomeloans.com/mike-semo/ - **Real estate investor** (`investor`): from their lender profile page, confidence 0.60, verified 2026-10-26. Source: https://tridenthomeloans.com/mike-semo/ ### Their lender offers (lender level: Trident Home Loans's programs, not confirmed as this person's focus) - **Condo** (`condo`): verified 2026-10-15. Source: https://tridenthomeloans.com - **Construction loan** (`construction`): verified 2026-10-15. Source: https://tridenthomeloans.com - **FHA loan** (`fha`): verified 2026-10-15. Source: https://tridenthomeloans.com - **Jumbo loan** (`jumbo`): verified 2026-10-15. Source: https://tridenthomeloans.com - **Low credit score** (`low-credit`): verified 2026-10-15. Source: https://tridenthomeloans.com - **Renovation loan (203k / HomeStyle)** (`renovation`): verified 2026-10-15. Source: https://tridenthomeloans.com - **USDA loan** (`usda`): verified 2026-10-15. Source: https://tridenthomeloans.com - **Vacation home** (`vacation-home`): verified 2026-10-15. Source: https://tridenthomeloans.com ## Facts from the lender page and intro - role: Branch Manager at Trident Home Loans. Source: https://tridenthomeloans.com/mike-semo/, verified 2026-10-15. - education: Master of Business Administration (focus on Finance). Source: https://tridenthomeloans.com/mike-semo/, verified 2026-10-15. - credential: Military awards including an Air Medal. Source: https://tridenthomeloans.com/mike-semo/, verified 2026-10-15. - other: Captain for Delta Air Lines. Source: https://tridenthomeloans.com/mike-semo/, verified 2026-10-15. ## Licenses | State | Regulator | Type | Number | Status | Confidence | Issued | Source | Verified | |---|---|---|---|---|---|---|---|---| | PA | Pennsylvania regulator | state_license | 81640 | active | confirmed | | state_regulator | 2026-10-16 | | GA | | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-15 | | VA | | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-15 | ## Employment history - ? to present: Trident Home Loans (NMLS 65716), Pensacola, FL. Source: https://tridenthomeloans.com/mike-semo/, 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/2101766 ## Contact - View profile at Trident Home Loans: https://tridenthomeloans.com/mike-semo/ - Office phone and Email on file: shown at https://lendb.ai/lo/mike-semo-2101766#contact after a quick human check (not available in this file, the API or MCP). ## Sources - nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2101766 - state_regulator: https://data.pa.gov/d/tyxc-jyug - lender_site: https://tridenthomeloans.com/mike-semo/ - lender_site (lender programs): https://tridenthomeloans.com Cite as: Mike Semo (NMLS 2101766), Trident Home Loans. LenDb.ai, https://lendb.ai/lo/mike-semo-2101766, last verified 2026-10-15. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._