---
canonical_url: https://lendb.ai/lo/stephen-micham-140175
json_url: https://lendb.ai/lo/stephen-micham-140175.json
nmls_id: 140175
last_verified: 2026-10-09
---

# Stephen Micham

Senior Loan Officer at Union Home Mortgage, Maumee, OH. NMLS ID 140175 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/140175)).

**Summary:** Stephen Micham (NMLS 140175) is Senior Loan Officer at Union Home Mortgage, based in Maumee, OH. Lists Michigan and Ohio on the lender page (not yet checked with the state regulator). States 26 years of experience. 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.
- Years experience (stated by the LO): 26 (source: https://www.uhm.com/loan-officers/stephen-micham/, verified 2026-10-09)
- Licensed in: Michigan (MI, lender_reported), Ohio (OH, 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

Leader of The Micham Group with over 26 years helping families navigate home financing in Northwest Ohio. Certified Divorce Lending Professional specializing in mortgage considerations during divorce.

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

## Facts from the lender page and intro

- years_experience: 26. Source: https://www.uhm.com/loan-officers/stephen-micham/, verified 2026-10-09.
- credential: Certified Divorce Lending Professional (CDLP®). Source: https://www.uhm.com/loan-officers/stephen-micham/, verified 2026-10-09.
- role: Leader of The Micham Group. Source: https://www.uhm.com/loan-officers/stephen-micham/, verified 2026-10-09.
- education: University of Toledo. Source: https://www.uhm.com/loan-officers/stephen-micham/, verified 2026-10-09.
- community: 2019 President of the Mortgage Bankers Association of Northwest Ohio. Source: https://www.uhm.com/loan-officers/stephen-micham/, verified 2026-10-09.
- service_area: Northwest Ohio. Source: https://www.uhm.com/loan-officers/stephen-micham/, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| MI | state_license | 140175 | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| OH | state_license | MLO.08330.00 | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: Union Home Mortgage (NMLS 2229), Maumee, OH. Source: https://www.uhm.com/loan-officers/stephen-micham/, 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/140175

## Contact

- linkedin_url: https://www.linkedin.com/in/stephenmicham/ (source: lender_site, verified 2026-10-09)
- View profile at Union Home Mortgage: https://www.uhm.com/loan-officers/stephen-micham/
- Office phone and Email on file: shown at https://lendb.ai/lo/stephen-micham-140175#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/140175
- lender_site: https://www.uhm.com/loan-officers/stephen-micham/

Cite as: Stephen Micham (NMLS 140175), Union Home Mortgage. LenDb.ai, https://lendb.ai/lo/stephen-micham-140175, last verified 2026-10-09.

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