--- canonical_url: https://lendb.ai/lo/derek-niday-2163387 json_url: https://lendb.ai/lo/derek-niday-2163387.json nmls_id: 2163387 last_verified: 2026-10-10 --- # Derek Niday Loan Officer at Edge Home Finance. NMLS ID 2163387 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2163387)). **Summary:** Derek Niday (NMLS 2163387) is Loan Officer at Edge Home Finance. Licensed in Florida, confirmed with the state regulator (license LO132159). Also lists Arizona, California, Georgia, Idaho, Indiana, Kansas, Michigan, Minnesota and 10 more on the lender page (not yet checked with the state regulator). Earliest state license record: October 2, 2024 (Florida), per state regulator. Last verified 2026-10-10. ## At a glance - Earliest state license record: October 2, 2024 (Florida), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience. - Licensed in: Florida (FL, confirmed), Arizona (AZ, lender_reported), California (CA, lender_reported), Georgia (GA, lender_reported), Idaho (ID, lender_reported), Indiana (IN, lender_reported), Kansas (KS, lender_reported), Michigan (MI, lender_reported), Minnesota (MN, lender_reported), Missouri (MO, lender_reported), North Carolina (NC, lender_reported), New Mexico (NM, lender_reported), Ohio (OH, lender_reported), Oklahoma (OK, lender_reported), Oregon (OR, lender_reported), Tennessee (TN, lender_reported), Texas (TX, lender_reported), Virginia (VA, lender_reported), Washington (WA, 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 Mortgage broker with access to over 100 lenders, presenting as a local Arizona loan specialist. They aim to lower rates and fees while keeping personalized service. Source: LenDb summary of the lender page, verified 2026-10-10. ## Facts from the lender page and intro - service_area: Arizona. Source: https://edgehomefinance.com/team-member/derek-niday/, verified 2026-10-10. - other: Mortgage broker with access to over 100 lenders. Source: https://edgehomefinance.com/team-member/derek-niday/, verified 2026-10-10. ## Licenses | State | Type | Number | Status | Confidence | Issued | Source | Verified | |---|---|---|---|---|---|---|---| | FL | state_license | LO132159 | active | confirmed | 2024-10-02 | state_regulator | 2026-10-09 | | AZ | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | CA | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | GA | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | ID | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | IN | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | KS | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | MI | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | MN | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | MO | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | NC | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | NM | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | OH | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | OK | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | OR | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | TN | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | TX | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | VA | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | WA | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | ## Employment history - ? to present: Edge Home Finance (NMLS 891464). Source: https://edgehomefinance.com/team-member/derek-niday/, verified 2026-10-10. ## Disciplinary history Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2163387 ## Contact - View profile at Edge Home Finance: https://edgehomefinance.com/team-member/derek-niday/ - Office phone and Email on file: shown at https://lendb.ai/lo/derek-niday-2163387#contact after a quick human check (not available in this file, the API or MCP). ## Sources - nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2163387 - state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip - lender_site: https://edgehomefinance.com/team-member/derek-niday/ Cite as: Derek Niday (NMLS 2163387), Edge Home Finance. LenDb.ai, https://lendb.ai/lo/derek-niday-2163387, last verified 2026-10-10. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._