---
canonical_url: https://lendb.ai/lo/david-bailey-369541
json_url: https://lendb.ai/lo/david-bailey-369541.json
nmls_id: 369541
last_verified: 2026-10-09
---

# David K Bailey

Mortgage Loan Officer at Loan Factory. NMLS ID 369541 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/369541)).

**Summary:** David K Bailey (NMLS 369541) is Mortgage Loan Officer at Loan Factory. Licensed in Florida, confirmed with the state regulator (license LO125147). Also lists California, Georgia, Michigan, Nevada, Tennessee and Texas on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: Down payment assistance, FHA loan, First-time buyer, VA loan and Real estate investor. Licensed since 2024 (per Florida records). Last verified 2026-10-09.

## At a glance

- Licensed since 2024 (per Florida records). This is license history on file, not total experience.
- Licensed in: Florida (FL, confirmed), California (CA, lender_reported), Georgia (GA, lender_reported), Michigan (MI, lender_reported), Nevada (NV, lender_reported), Tennessee (TN, 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

- **Down payment assistance** (`down-payment-assistance`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.loanfactory.com/mortgage-expert/david-k-bailey-369541
- **FHA loan** (`fha`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.loanfactory.com/mortgage-expert/david-k-bailey-369541
- **First-time buyer** (`first-time-buyer`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.loanfactory.com/mortgage-expert/david-k-bailey-369541
- **VA loan** (`va`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.loanfactory.com/mortgage-expert/david-k-bailey-369541
- **Real estate investor** (`investor`): lender page, confidence 0.70, verified 2026-10-09. Source: https://www.loanfactory.com/mortgage-expert/david-k-bailey-369541
- **Self-employed** (`self-employed`): lender page, confidence 0.70, verified 2026-10-09. Source: https://www.loanfactory.com/mortgage-expert/david-k-bailey-369541

## About

David K Bailey originates conventional, FHA, and VA loans and specializes in providing unique mortgage solutions. They focus on helping borrowers understand down payment assistance programs, credit issues, and first-time homebuyer programs.

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

## Facts from the lender page and intro

- other: Offers Mortgage Planning Sessions via Calendly. Source: https://www.loanfactory.com/mortgage-expert/david-k-bailey-369541, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO125147 | active | confirmed | 2024-01-05 | state_regulator | 2026-10-09 |
| CA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| GA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| MI | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| NV | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| TN | 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/david-k-bailey-369541, 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/369541

## Contact

- linkedin_url: https://www.linkedin.com/in/david-bailey-4927a917/ (source: lender_site, verified 2026-10-09)
- View profile at Loan Factory: https://www.loanfactory.com/mortgage-expert/david-k-bailey-369541

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/369541
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip
- lender_site: https://www.loanfactory.com/mortgage-expert/david-k-bailey-369541

Cite as: David K Bailey (NMLS 369541), Loan Factory. LenDb.ai, https://lendb.ai/lo/david-bailey-369541, last verified 2026-10-09.

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