---
canonical_url: https://lendb.ai/lo/derek-wrathell-2699258
json_url: https://lendb.ai/lo/derek-wrathell-2699258.json
nmls_id: 2699258
last_verified: 2026-10-28
---

# Derek Wrathell

Loan officer at United Lending Team, INC. NMLS ID 2699258 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2699258)).

Derek Wrathell (NMLS 2699258) is a mortgage loan officer at United Lending Team, INC, licensed in Illinois since 2025.

**Summary:** Derek Wrathell (NMLS 2699258) is a loan officer at United Lending Team, INC. Licensed in Illinois, confirmed with the state regulator (license 31.0092420). Earliest state license record: November 26, 2025 (Illinois), per state regulator. Last verified 2026-10-28.

## Quick answers

### Is Derek licensed in Illinois?

Yes. Illinois regulator records list license 31.0092420 as active, first effective November 26, 2025 (verified 2026-10-28). Source: https://idfpr.illinois.gov/banks/resfin.html.

### What lender does Derek work for?

United Lending Team, INC, company NMLS 2273319, per the lender's own site (verified 2026-10-28). Source: https://idfpr.illinois.gov/banks/resfin.html.

### How long has Derek been licensed?

The earliest state license record LenDb holds for Derek is from November 26, 2025 (Illinois regulator). That is a record date from the rosters we hold, not proof of continuous licensure. Source: https://idfpr.illinois.gov/banks/resfin.html.

## At a glance

- Earliest state license record: November 26, 2025 (Illinois), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Licensed in: Illinois (IL, confirmed)
- 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 (Languages come only from the loan officer's own lender page, and most lender pages do not list languages. A language that is not listed means not stated, not that the loan officer does not speak it.)
- Profile: unclaimed
- Status: active

## Specialties

### Focus (officer level: their own bio, title, certification, specialty list or claim)

- None on file yet.

## Licenses

| State | Regulator | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|---|
| IL | Illinois regulator | state_license | 31.0092420 | active | confirmed | 2025-11-26 | state_regulator | 2026-10-28 |

## Employment history

- ? to present: United Lending Team, INC (NMLS 2273319). Source: https://idfpr.illinois.gov/banks/resfin.html, verified 2026-10-28.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2699258

## Contact


## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2699258
- state_regulator: https://idfpr.illinois.gov/banks/resfin.html

Cite as: Derek Wrathell (NMLS 2699258), United Lending Team, INC. LenDb.ai, https://lendb.ai/lo/derek-wrathell-2699258, last verified 2026-10-28.

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