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Michael Pendergast - Sr Loan Officer | NMLS # 1904026 in Lake Forest, CA

Michael Pendergast

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Sr Loan Officer | NMLS # 1904026

4.9
(200)
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I was born and raised in Las Vegas. I have over 10 years of experience providing exceptional customer service. I strive to be as transparent and as informative as possible about the mortgage process. I focus on creating long term relationsh...... Show More
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Overall Ratings
4.9
(200)
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Reviews from Web
  • 5.0
    Encompass
    M
    Michael B
    Fruit Heights, UT
    Posted on June 3rd, 2026 01:10 AM
    Had a great experience working with my loan officer. He was knowledgeable, responsive, and made the entire process smooth from start to finish. Communication was clear, questions were answered quickly, and I always felt informed throughout...
    read more
    Reply from Michael Pendergast
    June 3rd, 2026 04:30 PM
    I'm pleased to hear that you had a great experience, Mike. It's wonderful to know that the process went smoothly and that you felt well-informed throughout. If you have any more questions or need assistance in the future, please feel free to...
    read more
  • 4.83
    Encompass
    R
    Robert M O
    Chula Vista, CA
    Posted on May 23rd, 2026 07:31 PM
    Great Service, competitive rates.
    Reply from Michael Pendergast
    June 3rd, 2026 04:31 PM
    Thank you, Bob, for your feedback on the service and rates. I'm pleased to know you found them competitive. If there's anything more I can assist you with, feel free to reach out.
  • 5.0
    Encompass
    D
    Donna J C
    Crawford, TX
    Posted on May 6th, 2026 08:50 AM
    Communication with us explaining things the my husband over and over with such patience until he understood There have been thousands of offers since starting the process we were referred by my son Thank you for being so good to me and my family...
    read more
    Reply from Michael Pendergast
    June 3rd, 2026 04:31 PM
    Donna, thank you for sharing your experience. I'm grateful for the opportunity to assist you and your family and pleased that the communication was clear and helpful. If you ever have more questions or need further assistance, please feel free...
    read more
  • 5.0
    Encompass
    D
    David Y
    Katy, TX
    Posted on May 1st, 2026 08:34 PM
    professional-friendly-process was smooth- closing was simple
    Reply from Michael Pendergast
    May 5th, 2026 03:54 PM
    David, I appreciate you sharing your experience with the process and closing. I'm pleased to hear that everything went smoothly and that you found me to be professional and friendly. If you ever need assistance in the future, please feel free...
    read more
  • 5.0
    Encompass
    B
    Bruce C
    Crawford, TX
    Posted on May 1st, 2026 06:21 PM
    Great experience
    Reply from Michael Pendergast
    May 5th, 2026 03:56 PM
    I'm pleased to hear you had a great experience, Bruce. Your feedback is valued, and I'm here if you need any assistance in the future.
  • 3.83
    Encompass
    H
    Hugh J T
    Darlington, SC
    Posted on March 17th, 2026 04:00 PM
    No one is perfect.
    Reply from Michael Pendergast
    May 5th, 2026 03:56 PM
    Thank you, Hugh, for sharing your thoughts. I appreciate your feedback and always strive to improve. It was great to work with you again. I'm always watching the market for us to improve the situation.
  • 4.5
    Encompass
    A
    Alison A S
    Browns Summit, NC
    Posted on March 15th, 2026 05:01 PM
    It would have been very helpful to have had a list of documents needed all at once instead of asking for ones we already sent and most days as the process was further along to get documents every day
    Reply from Michael Pendergast
    March 16th, 2026 10:54 PM
    Thank you for sharing your feedback, Alison. I understand how having a full list of required documents upfront could have made the process smoother for you. I appreciate your patience and your input, as it helps me improve the way I assist...
    read more
  • 5.0
    Encompass
    R
    Robert B S
    Browns Summit, NC
    Posted on March 10th, 2026 06:12 PM
    Mortgage plan set up by Mike met our needs at a good rate.
    Reply from Michael Pendergast
    March 10th, 2026 06:23 PM
    I'm pleased to hear that the mortgage plan we set up matched your needs and came at a good rate, Bob. If you or Alison have any more questions or require further assistance down the line, don't hesitate to reach out. I'm here to help.
  • 4.16
    Encompass
    R
    Robert B S
    Browns Summit, NC
    Posted on March 6th, 2026 07:02 PM
    Good communication
    Reply from Michael Pendergast
    March 6th, 2026 08:39 PM
    I'm glad to hear you found the communication to be good, Robert. If there's ever anything more you'd like to discuss or need assistance with, please feel free to get in touch. I'm here to help.
  • 4.66
    Encompass
    K
    Kenneth D G
    Oriental, NC
    Posted on March 6th, 2026 11:38 AM
    Simply better than all of the previous multiple similar experiences that I've had.
    Reply from Michael Pendergast
    March 6th, 2026 04:49 PM
    I'm pleased to hear that your experience with me stood out among your previous ones, Kenneth. It's great to know I could make a positive impact. If there are any other ways I can assist you, feel free to reach out anytime.
  • 10 of 200
    About
    I was born and raised in Las Vegas. I have over 10 years of experience providing exceptional customer service. I strive to be as transparent and as informative as possible about the mortgage process. I focus on creating long term relationships with my clients. I enjoy evaluating my client’s financial position and custom-tailoring options that fit their specific needs. I got into the business because my mother lost her home during the Great Recession. That experience has inspired me to guide clients through these major life decisions with compassion, and it is fulfilling to know that what I’m doing has a real impact on clients' lives moving forward.
    Products & Services
    Mortgage Loan Officer
    FHA Home Loan
    VA Home Loan
    Specialities
    Conventional Loans
    FHA & VA Loans
    HELOCS & HELOANS
    Purchase Loans
    FHA Streamlines and IRRRLS
    Bank Statement Loans
    Stated Income Loans
    Reverse mortgages
    452
    /850
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    Addresses and Serving Areas

    Year Started

    2020

    Time Zone

    Pacific Standard Time (PST)
    Licenses
    • NMLS # 1904026
    Disclaimer
    Ladera Lending, Inc.
    NMLS # 835555
    Privacy Policy
    NMLS Consumer Access
    State Licenses