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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

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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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  • Encompass
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    Alison A S
    Browns Summit, NC
    Posted on August 13th, 2026 03:11 PM
    Mike Pendergast was extremely thorough, looked for best deal, communication was rapid, friendly and was always there to answer questions, etc. quickly.
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    Robert B S
    Browns Summit, NC
    Posted on August 6th, 2026 06:10 PM
    Very easy to work with-Michael is a class guy and solid professional.
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    Jeffrene E W
    Killeen, TX
    Posted on July 10th, 2026 10:19 PM
    There was just alot of back and forth. A few things that we were told, wasn't accurate. The process took longer than expected. But over all we are happy that it got done.
    Reply from Michael Pendergast
    July 10th, 2026 10:24 PM
    Thank you for sharing your experience, Jeffrene. I apologize for any miscommunications and delays during the process. I'm pleased to know you're happy with the outcome. If there’s anything further you need, please reach out to me directly.
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    Dwayne A W
    Killeen, TX
    Posted on June 30th, 2026 06:15 PM
    Just getting everything thing right that I wanted and took grate care of us...
    Reply from Michael Pendergast
    July 8th, 2026 04:42 PM
    I'm pleased to hear that everything went smoothly and met your expectations, Dwayne. Taking great care of my clients is always my priority. If you need anything else, feel free to reach out.
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    Michael P T
    Concord, NC
    Posted on June 26th, 2026 06:15 PM
    All done online except for signing the closing documents. The notary came to us in another state while we were visiting relatives.
    Reply from Michael Pendergast
    July 8th, 2026 04:41 PM
    I'm pleased to hear that the online process worked well for you, Michael & Kristi. It's great that we could accommodate your needs with the notary while you were traveling. If you have any further questions or need assistance, please feel free...
    read more
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    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...
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    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
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    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.
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    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
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    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
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    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.
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    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
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    Addresses and Serving Areas
    Primary Serving Area

    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