---
canonical_url: https://lendb.ai/lo/bharat-mulchandani-203911
json_url: https://lendb.ai/lo/bharat-mulchandani-203911.json
nmls_id: 203911
last_verified: 2026-10-26
---

# Bharat Mulchandani

Loan officer at Buckingham Mortgage LLC, VA. NMLS ID 203911 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/203911)).

Bharat Mulchandani, NMLS 203911, works as a mortgage loan officer at Buckingham Mortgage LLC in Virginia and is licensed in Florida since 2018 and in Maryland.

**Summary:** Bharat Mulchandani (NMLS 203911) is a loan officer at Buckingham Mortgage LLC, based in Virginia. Licensed in 2 states confirmed with state regulators: Florida and Maryland. Also lists District of Columbia and Virginia on the lender page (not yet checked with the state regulator). Earliest state license record: December 21, 2018 (Florida), per state regulator. Last verified 2026-10-26.

## Quick answers

### Is Bharat licensed in Virginia?

Buckingham Mortgage LLC's page for Bharat lists Virginia. LenDb has not checked it with the state regulator yet, so verify at NMLS Consumer Access. LenDb has 3 other states on file for Bharat. Source: https://www.bfgusa.com/team-member/bharat-mulchandani/.

### What lender does Bharat work for?

Buckingham Mortgage LLC, company NMLS 1124970, per the lender's own site (verified 2026-10-15). Source: https://www.bfgusa.com/team-member/bharat-mulchandani/.

### How long has Bharat been licensed?

The earliest state license record LenDb holds for Bharat is from December 21, 2018 (Florida regulator). That is a record date from the rosters we hold, not proof of continuous licensure. Source: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip.

## At a glance

- Earliest state license record: December 21, 2018 (Florida), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Also licensed as (state regulator records, same NMLS ID): Bharat N. Mulchandani (FL, MD, as of 2026-10-26)
- Licensed in: Florida (FL, confirmed), District of Columbia (DC, lender_reported), Maryland (MD, confirmed), Virginia (VA, 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 (Languages come only from the loan officer's own lender page, and most lender pages do not list languages. A language that is not listed means not stated, not that the loan officer does not speak it.)
- Profile: unclaimed
- Status: active

## Specialties

### Focus (officer level: their own bio, title, certification, specialty list or claim)

- None on file yet.

## Licenses

| State | Regulator | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|---|
| FL | Florida regulator | state_license | LO58341 | active | confirmed | 2018-12-21 | state_regulator | 2026-10-15 |
| DC |  | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-15 |
| MD | Maryland regulator | state_license | n/a | active | confirmed |  | state_regulator | 2026-10-26 |
| VA |  | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-15 |

## Employment history

- ? to present: Buckingham Mortgage LLC (NMLS 1124970), VA. Source: https://www.bfgusa.com/team-member/bharat-mulchandani/, verified 2026-10-15.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/203911

## Contact

- View profile at Buckingham Mortgage LLC: https://www.bfgusa.com/team-member/bharat-mulchandani/
- Email on file: shown at https://lendb.ai/lo/bharat-mulchandani-203911#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/203911
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip
- lender_site: https://www.bfgusa.com/team-member/bharat-mulchandani/
- state_regulator: https://www.labor.maryland.gov/finance/

Cite as: Bharat Mulchandani (NMLS 203911), Buckingham Mortgage LLC. LenDb.ai, https://lendb.ai/lo/bharat-mulchandani-203911, last verified 2026-10-26.

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