---
canonical_url: https://lendb.ai/lo/abby-montenegro-1085221
json_url: https://lendb.ai/lo/abby-montenegro-1085221.json
nmls_id: 1085221
last_verified: 2026-10-09
---

# Abby Montenegro

Senior Mortgage Loan Officer at Loan Factory. NMLS ID 1085221 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1085221)).

**Summary:** Abby Montenegro (NMLS 1085221) is Senior Mortgage Loan Officer at Loan Factory. Lists Alabama, Arizona, California, Illinois, Ohio, Oregon, Virginia and Washington on the lender page (not yet checked with the state regulator). Last verified 2026-10-09.

## At a glance

- Licensed since: unknown (no state regulator record on file). This is license history on file, not total experience.
- Licensed in: Alabama (AL, lender_reported), Arizona (AZ, lender_reported), California (CA, lender_reported), Illinois (IL, lender_reported), Ohio (OH, lender_reported), Oregon (OR, lender_reported), Virginia (VA, lender_reported), Washington (WA, 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

Abby Montenegro is a senior loan officer with 20 years of mortgage industry experience since 2006, specializing in navigating complex underwriting scenarios. Known for her hands-on approach to credit guidance and asset wealth planning, she focuses on borrower benefit above all else.

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

## Facts from the lender page and intro

- years_experience: since 2006. Source: https://www.loanfactory.com/mortgage-expert/abby-montenegro-1085221, verified 2026-10-09.
- role: senior loan officer. Source: https://www.loanfactory.com/mortgage-expert/abby-montenegro-1085221, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| AL | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| AZ | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| CA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| IL | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| OH | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| OR | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| VA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| WA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: Loan Factory (NMLS 320841). Source: https://www.loanfactory.com/mortgage-expert/abby-montenegro-1085221, 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/1085221

## Contact

- linkedin_url: https://www.linkedin.com/in/abby-montenegro-0b1419108/ (source: lender_site, verified 2026-10-09)
- View profile at Loan Factory: https://www.loanfactory.com/mortgage-expert/abby-montenegro-1085221

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1085221
- lender_site: https://www.loanfactory.com/mortgage-expert/abby-montenegro-1085221

Cite as: Abby Montenegro (NMLS 1085221), Loan Factory. LenDb.ai, https://lendb.ai/lo/abby-montenegro-1085221, last verified 2026-10-09.

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