---
canonical_url: https://lendb.ai/lo/carolyn-surratt-2054396
json_url: https://lendb.ai/lo/carolyn-surratt-2054396.json
nmls_id: 2054396
last_verified: 2026-10-09
---

# Carolyn Surratt

Mortgage Loan Officer at Loan Factory, TX. NMLS ID 2054396 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2054396)).

**Summary:** Carolyn Surratt (NMLS 2054396) is Mortgage Loan Officer at Loan Factory, based in Texas. Lists Texas on the lender page (not yet checked with the state regulator). Earliest state license record: June 30, 2023 (Florida), per state regulator. Last verified 2026-10-09.

## At a glance

- Earliest state license record: June 30, 2023 (Florida), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Licensed in: Texas (TX, 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


## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO121201 | expired | confirmed | 2023-06-30 | state_regulator | 2026-10-09 |
| TX | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: Loan Factory (NMLS 320841), TX. Source: https://www.loanfactory.com/mortgage-expert/carolyn-surratt-2054396, 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/2054396

## Contact

- View profile at Loan Factory: https://www.loanfactory.com/mortgage-expert/carolyn-surratt-2054396

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2054396
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip
- lender_site: https://www.loanfactory.com/mortgage-expert/carolyn-surratt-2054396

Cite as: Carolyn Surratt (NMLS 2054396), Loan Factory. LenDb.ai, https://lendb.ai/lo/carolyn-surratt-2054396, last verified 2026-10-09.

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