---
canonical_url: https://lendb.ai/lo/cedric-bonds-1605176
json_url: https://lendb.ai/lo/cedric-bonds-1605176.json
nmls_id: 1605176
last_verified: 2026-10-09
---

# Cedric Bonds

Mortgage Loan Officer at Loan Factory. NMLS ID 1605176 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1605176)).

**Summary:** Cedric Bonds (NMLS 1605176) is Mortgage Loan Officer at Loan Factory. Lists California and Texas on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: Jumbo loan, DSCR loan, VA loan, FHA loan and Real estate investor. Licensed since 2017 (per Florida records). Last verified 2026-10-09.

## At a glance

- Licensed since 2017 (per Florida records). This is license history on file, not total experience.
- Licensed in: California (CA, lender_reported), 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

- **Jumbo loan** (`jumbo`): lender page, confidence 0.70, verified 2026-10-09. Source: https://www.loanfactory.com/mortgage-expert/cedric-bonds-1605176
- **DSCR loan** (`dscr`): lender page, confidence 0.63, verified 2026-10-09. Source: https://www.loanfactory.com/mortgage-expert/cedric-bonds-1605176
- **VA loan** (`va`): lender page, confidence 0.55, verified 2026-10-09. Source: https://www.loanfactory.com/mortgage-expert/cedric-bonds-1605176
- **FHA loan** (`fha`): lender page, confidence 0.52, verified 2026-10-09. Source: https://www.loanfactory.com/mortgage-expert/cedric-bonds-1605176
- **Real estate investor** (`investor`): lender page, confidence 0.48, verified 2026-10-09. Source: https://www.loanfactory.com/mortgage-expert/cedric-bonds-1605176

## About

Cedric Bonds has treasury and capital markets experience with major real estate firms including Rialto Capital, Starwood Property Trust, and Equity One. University of Miami graduate offering tailored financing solutions nationwide.

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

## Facts from the lender page and intro

- education: University of Miami, International Finance & Marketing. Source: https://www.loanfactory.com/mortgage-expert/cedric-bonds-1605176, verified 2026-10-09.
- community: Connected to South Florida community. Source: https://www.loanfactory.com/mortgage-expert/cedric-bonds-1605176, verified 2026-10-09.
- service_area: Nationwide. Source: https://www.loanfactory.com/mortgage-expert/cedric-bonds-1605176, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO44586 | expired | confirmed | 2017-06-21 | state_regulator | 2026-10-09 |
| CA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 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). Source: https://www.loanfactory.com/mortgage-expert/cedric-bonds-1605176, 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/1605176

## Contact

- linkedin_url: https://www.linkedin.com/in/cedric-bonds-b3b701389/ (source: lender_site, verified 2026-10-09)
- View profile at Loan Factory: https://www.loanfactory.com/mortgage-expert/cedric-bonds-1605176

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1605176
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip
- lender_site: https://www.loanfactory.com/mortgage-expert/cedric-bonds-1605176

Cite as: Cedric Bonds (NMLS 1605176), Loan Factory. LenDb.ai, https://lendb.ai/lo/cedric-bonds-1605176, last verified 2026-10-09.

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