---
canonical_url: https://lendb.ai/lo/andrew-durden-2774438
json_url: https://lendb.ai/lo/andrew-durden-2774438.json
nmls_id: 2774438
last_verified: 2026-10-09
---

# Andrew Durden

Mortgage Loan Officer at Loan Factory, Vero Beach, FL. NMLS ID 2774438 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2774438)).

**Summary:** Andrew Durden (NMLS 2774438) is Mortgage Loan Officer at Loan Factory, based in Vero Beach, FL. Licensed in Florida, confirmed with the state regulator (license LO149802). Focus areas shown on the lender page: DSCR loan, Foreign national, Mixed-use property, Non-warrantable condo and Real estate investor. Licensed since 2026 (per Florida records). Last verified 2026-10-09.

## At a glance

- Licensed since 2026 (per Florida records). This is license history on file, not total experience.
- Licensed in: Florida (FL, confirmed)
- 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

- **DSCR loan** (`dscr`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.loanfactory.com/mortgage-expert/andrew-durden-2774438
- **Foreign national** (`foreign-national`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.loanfactory.com/mortgage-expert/andrew-durden-2774438
- **Mixed-use property** (`mixed-use`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.loanfactory.com/mortgage-expert/andrew-durden-2774438
- **Non-warrantable condo** (`condo-non-warrantable`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.loanfactory.com/mortgage-expert/andrew-durden-2774438
- **Real estate investor** (`investor`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.loanfactory.com/mortgage-expert/andrew-durden-2774438

## About

Andrew has nearly a decade of institutional real estate finance experience at Tricon Residential, BKM Capital Partners, and Phoenix Tower International, specializing in DSCR loans for investors, non-warrantable condos, foreign national financing, and complex deals across 40+ states. He built Pencil, a free deal analysis tool for investors.

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

## Facts from the lender page and intro

- years_experience: nearly a decade. Source: https://www.loanfactory.com/mortgage-expert/andrew-durden-2774438, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO149802 | active | confirmed | 2026-07-24 | state_regulator | 2026-10-09 |

## Employment history

- ? to present: Loan Factory (NMLS 320841), Vero Beach, FL. Source: https://www.loanfactory.com/mortgage-expert/andrew-durden-2774438, 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/2774438

## Contact

- linkedin_url: https://www.linkedin.com/in/andrewcdurden (source: lender_site, verified 2026-10-09)
- View profile at Loan Factory: https://www.loanfactory.com/mortgage-expert/andrew-durden-2774438

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2774438
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip
- lender_site: https://www.loanfactory.com/mortgage-expert/andrew-durden-2774438

Cite as: Andrew Durden (NMLS 2774438), Loan Factory. LenDb.ai, https://lendb.ai/lo/andrew-durden-2774438, last verified 2026-10-09.

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