{
  "canonical_url": "https://lendb.ai/lender/instamortgage-inc-1035734",
  "summary": "InstaMortgage Inc. (company NMLS 1035734) is an independent mortgage lender. LenDb lists 38 of its loan officers, with branches in 2 states, each with an individual NMLS ID, licensed states and sources.",
  "lender": {
    "nmls_id": 1035734,
    "slug": "instamortgage-inc-1035734",
    "canonical_url": "https://lendb.ai/lender/instamortgage-inc-1035734",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/1035734",
    "name": {
      "value": "InstaMortgage Inc.",
      "source": "state_regulator",
      "source_url": "https://instamortgage.com/",
      "verified_at": "2026-10-13"
    },
    "dba_names": [],
    "type": "imb",
    "website": {
      "value": "https://instamortgage.com/",
      "source": "state_regulator",
      "source_url": "https://instamortgage.com/",
      "verified_at": "2026-10-13"
    },
    "lo_directory_url": "https://instamortgage.com/meet-our-loan-officers/",
    "hq_state": null,
    "loan_programs": {
      "value": [],
      "source": "state_regulator",
      "source_url": "https://instamortgage.com/",
      "verified_at": "2026-10-13"
    },
    "program_approvals": [
      {
        "program": "fha",
        "source": "HUD",
        "as_of": "2026-08",
        "source_url": "https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot"
      }
    ],
    "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,
      "includes_brokered": false,
      "years": [
        {
          "year": 2025,
          "loans": 256,
          "by_loan_type": {
            "conventional": 184,
            "fha": 49,
            "va": 23,
            "usda": 0
          },
          "purchase": 192,
          "refinance": 64,
          "other_purpose": 0,
          "jumbo": 1,
          "investor": 34,
          "volume_usd": 116510000
        },
        {
          "year": 2024,
          "loans": 135,
          "by_loan_type": {
            "conventional": 88,
            "fha": 42,
            "va": 5,
            "usda": 0
          },
          "purchase": 111,
          "refinance": 24,
          "other_purpose": 0,
          "jumbo": 2,
          "investor": 21,
          "volume_usd": 54395000
        }
      ],
      "top_states": [
        {
          "state": "VA",
          "loans": 74
        },
        {
          "state": "MD",
          "loans": 43
        },
        {
          "state": "TX",
          "loans": 33
        },
        {
          "state": "CA",
          "loans": 20
        },
        {
          "state": "NJ",
          "loans": 18
        }
      ],
      "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": 38,
    "disciplinary_check": "not_checked",
    "disciplinary_actions": [],
    "last_verified_at": "2026-10-13"
  },
  "facts": {
    "summary": {
      "text": "InstaMortgage Inc. is a mortgage company based in San Jose, California. It offers conventional, government-backed (FHA, VA and USDA), reverse, commercial and HELOC loans. It is immigrant-led and minority-owned.",
      "source_url": "https://instamortgage.com/why-instamortgage/"
    },
    "licensed_states": [
      {
        "state": "FL",
        "license_type": "Mortgage Lender",
        "status": "Approved",
        "active": true,
        "source_url": "https://flofr.gov/education/public-information/registration-data-download"
      },
      {
        "state": "TX",
        "license_type": "Mortgage Company License",
        "status": "Approved",
        "active": true,
        "source_url": "https://www.sml.texas.gov/"
      }
    ],
    "programs": null,
    "lo_states": [
      {
        "state": "TX",
        "count": 13
      },
      {
        "state": "FL",
        "count": 9
      },
      {
        "state": "NY",
        "count": 2
      },
      {
        "state": "CA",
        "count": 1
      },
      {
        "state": "DC",
        "count": 1
      },
      {
        "state": "MD",
        "count": 1
      },
      {
        "state": "VA",
        "count": 1
      }
    ],
    "languages": [
      {
        "code": "ko",
        "count": 1
      }
    ],
    "lo_count": 30,
    "verified_at": "2026-10-15"
  },
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      "slug": "erin-allan-1889743",
      "full_name": "Erin Allan",
      "title": null,
      "branch_city": "San Jose",
      "branch_state": "CA",
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      "slug": "insu-kim-228010",
      "full_name": "Insu Kim",
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      "branch_city": "San Jose",
      "branch_state": "CA",
      "canonical_url": "https://lendb.ai/lo/insu-kim-228010"
    },
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      "nmls_id": 1108326,
      "slug": "jan-chase-charifa-1108326",
      "full_name": "JanChase Charifa",
      "title": null,
      "branch_city": "San Jose",
      "branch_state": "CA",
      "canonical_url": "https://lendb.ai/lo/jan-chase-charifa-1108326"
    },
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      "nmls_id": 2689608,
      "slug": "jen-sawaya-2689608",
      "full_name": "Jen Sawaya",
      "title": "Mortgage Banker",
      "branch_city": "San Jose",
      "branch_state": "CA",
      "canonical_url": "https://lendb.ai/lo/jen-sawaya-2689608"
    },
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      "nmls_id": 1445294,
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      "full_name": "Sal Ali",
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      "branch_city": "Dallas",
      "branch_state": "TX",
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    },
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      "full_name": "Amy Cheng",
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      "full_name": "Amy Gustin",
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      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/amy-gustin-2322753"
    },
    {
      "nmls_id": 298541,
      "slug": "anant-christian-298541",
      "full_name": "Andy Christian",
      "title": "Home Loan Strategist",
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      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/anant-christian-298541"
    },
    {
      "nmls_id": 1188800,
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      "full_name": "Beatriz Zuluaga",
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      "full_name": "Jim Vandegriff",
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      "canonical_url": "https://lendb.ai/lo/james-vandegriff-178470"
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      "full_name": "Jim Yun",
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      "full_name": "Jodi Snyder",
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      "full_name": "Jun W. Bae",
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}