---
canonical_url: https://lendb.ai/lo/debbie-l-kalfas-1927395
json_url: https://lendb.ai/lo/debbie-l-kalfas-1927395.json
nmls_id: 1927395
last_verified: 2026-10-09
---

# Debbie L. Kalfas

Mortgage Loan Officer at Loan Factory. NMLS ID 1927395 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1927395)).

**Summary:** Debbie L. Kalfas (NMLS 1927395) is Mortgage Loan Officer at Loan Factory. Lists California on the lender page (not yet checked with the state regulator). 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.
- 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


## 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). Source: https://www.loanfactory.com/mortgage-expert/debbie-l-kalfas-1927395, 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/1927395

## Contact

- View profile at Loan Factory: https://www.loanfactory.com/mortgage-expert/debbie-l-kalfas-1927395

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1927395
- lender_site: https://www.loanfactory.com/mortgage-expert/debbie-l-kalfas-1927395

Cite as: Debbie L. Kalfas (NMLS 1927395), Loan Factory. LenDb.ai, https://lendb.ai/lo/debbie-l-kalfas-1927395, last verified 2026-10-09.

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