---
canonical_url: https://lendb.ai/lo/carter-gardy-2302797
json_url: https://lendb.ai/lo/carter-gardy-2302797.json
nmls_id: 2302797
last_verified: 2026-10-09
---

# Carter Gardy

Mortgage Loan Officer at Loan Factory. NMLS ID 2302797 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2302797)).

**Summary:** Carter Gardy (NMLS 2302797) is Mortgage Loan Officer at Loan Factory. Lists Delaware and Pennsylvania on the lender page (not yet checked with the state regulator). States 25 years of experience. 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.
- Years experience (stated by the LO): 25 (source: https://www.loanfactory.com/mortgage-expert/carter-gardy-2302797, verified 2026-10-09)
- Licensed in: Delaware (DE, lender_reported), Pennsylvania (PA, 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

Carter Gardy has 25 years of experience in banking and financial services. He holds degrees in marketing and accounting with an MBA in finance.

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

## Facts from the lender page and intro

- years_experience: 25. Source: https://www.loanfactory.com/mortgage-expert/carter-gardy-2302797, verified 2026-10-09.
- education: Degrees in marketing and accounting, MBA in finance. Source: https://www.loanfactory.com/mortgage-expert/carter-gardy-2302797, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| DE | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| PA | 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/carter-gardy-2302797, 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/2302797

## Contact

- View profile at Loan Factory: https://www.loanfactory.com/mortgage-expert/carter-gardy-2302797

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2302797
- lender_site: https://www.loanfactory.com/mortgage-expert/carter-gardy-2302797

Cite as: Carter Gardy (NMLS 2302797), Loan Factory. LenDb.ai, https://lendb.ai/lo/carter-gardy-2302797, last verified 2026-10-09.

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