---
canonical_url: https://lendb.ai/lo/penny-mertz-166358
json_url: https://lendb.ai/lo/penny-mertz-166358.json
nmls_id: 166358
last_verified: 2026-10-09
---

# Penny Mertz

Senior Loan Officer at Union Home Mortgage, Port Huron, MI. NMLS ID 166358 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/166358)).

**Summary:** Penny Mertz (NMLS 166358) is Senior Loan Officer at Union Home Mortgage, based in Port Huron, MI. Lists Michigan 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: Michigan (MI, 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

Penny is a seasoned loan officer with years of experience in banking. She helps clients through the lending process with transparent communication and personalized solutions.

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

## Facts from the lender page and intro

- role: Seasoned loan officer with years of experience in the banking industry. Source: https://www.uhm.com/loan-officers/penny-mertz/, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| MI | state_license | 166358 | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: Union Home Mortgage (NMLS 2229), Port Huron, MI. Source: https://www.uhm.com/loan-officers/penny-mertz/, 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/166358

## Contact

- View profile at Union Home Mortgage: https://www.uhm.com/loan-officers/penny-mertz/
- Office phone and Email on file: shown at https://lendb.ai/lo/penny-mertz-166358#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/166358
- lender_site: https://www.uhm.com/loan-officers/penny-mertz/

Cite as: Penny Mertz (NMLS 166358), Union Home Mortgage. LenDb.ai, https://lendb.ai/lo/penny-mertz-166358, last verified 2026-10-09.

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