--- canonical_url: https://lendb.ai/lo/edyta-pluta-czarnecki-445996 json_url: https://lendb.ai/lo/edyta-pluta-czarnecki-445996.json nmls_id: 445996 last_verified: 2026-10-10 --- # Edyta Pluta-Czarnecki Sr. Mortgage Loan Originator at Neighborhood Loans. NMLS ID 445996 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/445996)). **Summary:** Edyta Pluta-Czarnecki (NMLS 445996) is Sr. Mortgage Loan Originator at Neighborhood Loans. Licensed in Florida, confirmed with the state regulator (license LO142626). Also lists Arizona, California, Connecticut, Georgia, Illinois, Massachusetts, Maryland, Minnesota and 7 more on the lender page (not yet checked with the state regulator). Earliest state license record: November 10, 2025 (Florida), per state regulator. States 20 years of experience. Last verified 2026-10-10. ## At a glance - Earliest state license record: November 10, 2025 (Florida), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience. - Years experience (stated by the LO): 20 (source: https://neighborhoodloans.com/edyta/, verified 2026-10-10) - Licensed in: Florida (FL, confirmed), Arizona (AZ, lender_reported), California (CA, lender_reported), Connecticut (CT, lender_reported), Georgia (GA, lender_reported), Illinois (IL, lender_reported), Massachusetts (MA, lender_reported), Maryland (MD, lender_reported), Minnesota (MN, lender_reported), Mississippi (MS, lender_reported), North Carolina (NC, lender_reported), Nebraska (NE, lender_reported), New Jersey (NJ, lender_reported), South Carolina (SC, lender_reported), Tennessee (TN, lender_reported), Wisconsin (WI, 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 Edyta Pluta-Czarnecki has over 20 years in the mortgage industry and focuses on personalized, friendly service for homebuyers and people refinancing. Source: LenDb summary of the lender page, verified 2026-10-10. ## Facts from the lender page and intro - years_experience: 20. Source: https://neighborhoodloans.com/edyta/, verified 2026-10-10. - community: Enjoys outdoor activities including gardening, photography, fishing, and travel. Source: https://www.barrettfinancial.com/edyta, verified 2026-10-09. ## Licenses | State | Type | Number | Status | Confidence | Issued | Source | Verified | |---|---|---|---|---|---|---|---| | FL | state_license | LO142626 | active | confirmed | 2025-11-10 | state_regulator | 2026-10-09 | | AZ | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | CA | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | CT | 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 | | IL | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | MA | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | MD | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | MN | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | MS | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | NC | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | NE | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | NJ | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | SC | 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 | | WI | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | ## Employment history - ? to present: Neighborhood Loans (NMLS 222982). Source: https://neighborhoodloans.com/edyta/, verified 2026-10-10. - ? to 2026-10-11: Barrett Financial Group (NMLS 181106), Chandler, AZ. Source: https://www.barrettfinancial.com/edyta, 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/445996 ## Contact - linkedin_url: https://www.linkedin.com/in/edyta-pluta-czarnecki/ (source: lender_site, verified 2026-10-09) - View profile at Neighborhood Loans: https://neighborhoodloans.com/edyta/ - Office phone and Email on file: shown at https://lendb.ai/lo/edyta-pluta-czarnecki-445996#contact after a quick human check (not available in this file, the API or MCP). ## Sources - nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/445996 - state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip - lender_site: https://www.barrettfinancial.com/edyta - lender_site: https://neighborhoodloans.com/edyta/ Cite as: Edyta Pluta-Czarnecki (NMLS 445996), Neighborhood Loans. LenDb.ai, https://lendb.ai/lo/edyta-pluta-czarnecki-445996, last verified 2026-10-10. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._