---
canonical_url: https://lendb.ai/lo/david-reams-1716637
json_url: https://lendb.ai/lo/david-reams-1716637.json
nmls_id: 1716637
last_verified: 2026-10-09
---

# David Reams

Mortgage Loan Officer at Loan Factory, CA. NMLS ID 1716637 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1716637)).

**Summary:** David Reams (NMLS 1716637) is Mortgage Loan Officer at Loan Factory, based in California. Lists California on the lender page (not yet checked with the state regulator). States 35 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): 35 (source: https://www.loanfactory.com/mortgage-expert/david-reams-1716637, verified 2026-10-09)
- Licensed in: California (CA, 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

David Reams brings over 35 years of real estate experience and specializes in providing insights to help buyers understand home financing decisions.

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

## Facts from the lender page and intro

- years_experience: 35. Source: https://www.loanfactory.com/mortgage-expert/david-reams-1716637, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| CA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: Loan Factory (NMLS 320841), CA. Source: https://www.loanfactory.com/mortgage-expert/david-reams-1716637, 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/1716637

## Contact

- View profile at Loan Factory: https://www.loanfactory.com/mortgage-expert/david-reams-1716637

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1716637
- lender_site: https://www.loanfactory.com/mortgage-expert/david-reams-1716637

Cite as: David Reams (NMLS 1716637), Loan Factory. LenDb.ai, https://lendb.ai/lo/david-reams-1716637, last verified 2026-10-09.

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