---
canonical_url: https://lendb.ai/lo/christian-soto-1173591
json_url: https://lendb.ai/lo/christian-soto-1173591.json
nmls_id: 1173591
last_verified: 2026-10-15
---

# Christian Soto

Loan Officer at Cliffco, Inc., Branchburg, NJ. NMLS ID 1173591 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1173591)).

Christian Soto (NMLS 1173591) is a Loan Officer at Cliffco, Inc. in Branchburg, New Jersey, serving New Jersey. Christian works at an FHA-approved lender, per HUD.

**Summary:** Christian Soto (NMLS 1173591) is Loan Officer at Cliffco, Inc., based in Branchburg, NJ. Lists New Jersey on the lender page (not yet checked with the state regulator). States 7 years of experience. Last verified 2026-10-15.

## Quick answers

### Is Christian licensed in New Jersey?

Cliffco, Inc.'s page for Christian lists New Jersey. LenDb has not checked it with the state regulator yet, so verify at NMLS Consumer Access. Source: https://cliffcomortgage.com/csoto/.

### What lender does Christian work for, and is it FHA-approved?

Cliffco, Inc., company NMLS 65328, from the Branchburg, NJ office, per the lender's own site (verified 2026-10-15). Works at an FHA-approved lender, per HUD (HUD FHA data, loans endorsed through Aug 2026). Source: https://cliffcomortgage.com/csoto/.

### How much experience does Christian have?

Christian states 7 years of experience. Source: https://cliffcomortgage.com/csoto/.

## At a glance

- Earliest state license record: none on file. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Years experience (stated by the LO): 7 (source: https://cliffcomortgage.com/csoto/, verified 2026-10-15)
- Licensed in: New Jersey (NJ, lender_reported)
- Works at an FHA-approved lender, per HUD (HUD FHA data, loans endorsed through Aug 2026): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot
- 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.

## Facts from the lender page and intro

- years_experience: 7. Source: https://cliffcomortgage.com/csoto/, verified 2026-10-15.
- role: Supervisor in retail banking. Source: https://cliffcomortgage.com/csoto/, verified 2026-10-15.

## Licenses

| State | Regulator | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|---|
| NJ |  | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-15 |

## Employment history

- ? to present: Cliffco, Inc. (NMLS 65328), Branchburg, NJ. Source: https://cliffcomortgage.com/csoto/, 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/1173591

## Contact

- View profile at Cliffco, Inc.: https://cliffcomortgage.com/csoto/
- Office phone and Email on file: shown at https://lendb.ai/lo/christian-soto-1173591#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1173591
- lender_site: https://cliffcomortgage.com/csoto/
- HUD (FHA data): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot

Cite as: Christian Soto (NMLS 1173591), Cliffco, Inc.. LenDb.ai, https://lendb.ai/lo/christian-soto-1173591, last verified 2026-10-15.

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