---
canonical_url: https://lendb.ai/lo/cristine-orzel-98183
json_url: https://lendb.ai/lo/cristine-orzel-98183.json
nmls_id: 98183
last_verified: 2026-10-09
---

# Cristine Orzel

Mortgage Loan Officer at Loan Factory. NMLS ID 98183 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/98183)).

**Summary:** Cristine Orzel (NMLS 98183) is Mortgage Loan Officer at Loan Factory. Licensed in Colorado, confirmed with the state regulator (license 100016362). Also lists Arizona on the lender page (not yet checked with the state regulator). Speaks German and English. Licensed since 2007 (per Colorado records). States 38 years of experience. Last verified 2026-10-09.

## At a glance

- Licensed since 2007 (per Colorado records). This is license history on file, not total experience.
- Years experience (stated by the LO): 38 (source: https://www.loanfactory.com/mortgage-expert/cristine-orzel-98183, verified 2026-10-09)
- Licensed in: Colorado (CO, confirmed), Arizona (AZ, 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: German, English
- Profile: unclaimed
- Status: active

## Specialties


## About

Cristine brings over 38 years of real estate experience and serves clients in Arizona and Colorado. As a military family member with international background, she specializes in first-time buyers, existing homeowners, and refinances.

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

## Facts from the lender page and intro

- years_experience: 38. Source: https://www.loanfactory.com/mortgage-expert/cristine-orzel-98183, verified 2026-10-09.
- service_area: Colorado and Arizona. Source: https://www.loanfactory.com/mortgage-expert/cristine-orzel-98183, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| CO | state_license | 100016362 | active | confirmed | 2007-05-30 | state_regulator | 2026-10-10 |
| AZ | 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/cristine-orzel-98183, 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/98183

## Contact

- linkedin_url: https://www.linkedin.com/in/cristineorzel/ (source: lender_site, verified 2026-10-09)
- View profile at Loan Factory: https://www.loanfactory.com/mortgage-expert/cristine-orzel-98183

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/98183
- state_regulator: https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=145927&contact=101650
- lender_site: https://www.loanfactory.com/mortgage-expert/cristine-orzel-98183

Cite as: Cristine Orzel (NMLS 98183), Loan Factory. LenDb.ai, https://lendb.ai/lo/cristine-orzel-98183, last verified 2026-10-09.

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