{
  "canonical_url": "https://lendb.ai/lender/financial-concepts-mortgage-llc-181632",
  "summary": "Financial Concepts Mortgage LLC (company NMLS 181632) is a mortgage lender. LenDb lists 4 of its loan officers, each with an individual NMLS ID, licensed states and sources.",
  "lender": {
    "nmls_id": 181632,
    "slug": "financial-concepts-mortgage-llc-181632",
    "canonical_url": "https://lendb.ai/lender/financial-concepts-mortgage-llc-181632",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/181632",
    "name": {
      "value": "Financial Concepts Mortgage LLC",
      "source": "state_regulator",
      "source_url": "https://www.sml.texas.gov/",
      "verified_at": "2026-10-13"
    },
    "dba_names": [],
    "type": "other",
    "website": null,
    "lo_directory_url": null,
    "hq_state": null,
    "loan_programs": {
      "value": [],
      "source": "state_regulator",
      "source_url": "https://www.sml.texas.gov/",
      "verified_at": "2026-10-13"
    },
    "activity": {
      "source": "HMDA",
      "source_name": "HMDA, FFIEC/CFPB",
      "source_url": "https://ffiec.cfpb.gov/data-publication/snapshot-national-loan-level-dataset/2025",
      "as_of_year": 2025,
      "scope": "Home loans the lender funded and reported under HMDA: closed-end mortgages on 1 to 4 unit homes (no home equity lines or reverse mortgages)",
      "third_party_share": 0.002,
      "includes_brokered": false,
      "years": [
        {
          "year": 2025,
          "loans": 547,
          "by_loan_type": {
            "conventional": 243,
            "fha": 201,
            "va": 94,
            "usda": 9
          },
          "purchase": 512,
          "refinance": 29,
          "other_purpose": 6,
          "jumbo": 0,
          "investor": 19,
          "volume_usd": 140495000
        },
        {
          "year": 2024,
          "loans": 457,
          "by_loan_type": {
            "conventional": 234,
            "fha": 147,
            "va": 70,
            "usda": 6
          },
          "purchase": 431,
          "refinance": 17,
          "other_purpose": 9,
          "jumbo": 0,
          "investor": 43,
          "volume_usd": 110425000
        }
      ],
      "top_states": [
        {
          "state": "OK",
          "loans": 541
        },
        {
          "state": "KS",
          "loans": 4
        },
        {
          "state": "TX",
          "loans": 2
        }
      ],
      "note": "Counts describe the company, not any one loan officer. Only lenders above the HMDA reporting thresholds file, and LenDb has matched about 70% of HMDA loan volume to lenders it lists, so a lender without HMDA data here may still make these loans."
    },
    "loan_officer_count": 4,
    "disciplinary_check": "not_checked",
    "disciplinary_actions": [],
    "last_verified_at": "2026-10-13"
  },
  "loan_officers": [
    {
      "nmls_id": 1761862,
      "slug": "david-sokolosky-1761862",
      "full_name": "David Sokolosky",
      "title": null,
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/david-sokolosky-1761862"
    },
    {
      "nmls_id": 2566623,
      "slug": "james-mitchell-2566623",
      "full_name": "James Mitchell",
      "title": null,
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/james-mitchell-2566623"
    },
    {
      "nmls_id": 2089367,
      "slug": "jason-yocam-2089367",
      "full_name": "Jason Yocam",
      "title": null,
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/jason-yocam-2089367"
    },
    {
      "nmls_id": 2832794,
      "slug": "kristen-roberson-2832794",
      "full_name": "Kristen Roberson",
      "title": null,
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/kristen-roberson-2832794"
    }
  ]
}