--- canonical_url: https://lendb.ai/lo/emmett-clark-233747 json_url: https://lendb.ai/lo/emmett-clark-233747.json nmls_id: 233747 last_verified: 2026-10-09 --- # Emmett Clark Mortgage Loan Officer at Loan Factory. NMLS ID 233747 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/233747)). **Summary:** Emmett Clark (NMLS 233747) is Mortgage Loan Officer at Loan Factory. Licensed in 3 states confirmed with state regulators: Colorado, Florida and Pennsylvania. Also lists Alabama, Arizona, California, Hawaii, Iowa, Idaho, Kansas, Kentucky and 7 more on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: HELOC, First-time buyer, VA loan and FHA loan. Licensed since 2024 (per Florida records). States 20 years of experience. Last verified 2026-10-09. ## At a glance - Licensed since 2024 (per Florida records). This is license history on file, not total experience. - Years experience (stated by the LO): 20 (source: https://www.loanfactory.com/mortgage-expert/emmett-clark-233747, verified 2026-10-09) - Licensed in: Colorado (CO, confirmed), Florida (FL, confirmed), Pennsylvania (PA, confirmed), Alabama (AL, lender_reported), Arizona (AZ, lender_reported), California (CA, lender_reported), Hawaii (HI, lender_reported), Iowa (IA, lender_reported), Idaho (ID, lender_reported), Kansas (KS, lender_reported), Kentucky (KY, lender_reported), Missouri (MO, lender_reported), Oregon (OR, lender_reported), Tennessee (TN, lender_reported), Texas (TX, lender_reported), Utah (UT, 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 - **HELOC** (`heloc`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.loanfactory.com/mortgage-expert/emmett-clark-233747 - **First-time buyer** (`first-time-buyer`): lender page, confidence 0.59, verified 2026-10-09. Source: https://www.loanfactory.com/mortgage-expert/emmett-clark-233747 - **VA loan** (`va`): lender page, confidence 0.55, verified 2026-10-09. Source: https://www.loanfactory.com/mortgage-expert/emmett-clark-233747 - **FHA loan** (`fha`): lender page, confidence 0.52, verified 2026-10-09. Source: https://www.loanfactory.com/mortgage-expert/emmett-clark-233747 ## About Mortgage loan officer with over 20 years of experience assisting clients across all 50 states. Specializes in FHA, VA, and first-time buyer programs, offering personalized service and 5-day HELOC options. Source: LenDb summary of the lender page, verified 2026-10-09. ## Facts from the lender page and intro - years_experience: 20. Source: https://www.loanfactory.com/mortgage-expert/emmett-clark-233747, verified 2026-10-09. - service_area: All 50 states. Source: https://www.loanfactory.com/mortgage-expert/emmett-clark-233747, verified 2026-10-09. ## Licenses | State | Type | Number | Status | Confidence | Issued | Source | Verified | |---|---|---|---|---|---|---|---| | CO | state_license | 100543492 | active | confirmed | 2025-10-16 | state_regulator | 2026-10-10 | | FL | state_license | LO126021 | active | confirmed | 2024-02-09 | state_regulator | 2026-10-09 | | PA | state_license | 119284 | active | confirmed | | state_regulator | 2026-10-10 | | AL | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 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 | | HI | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | IA | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | ID | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | KS | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | KY | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | MO | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | OR | 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 | | TX | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | UT | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | VA | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | WA | 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/emmett-clark-233747, 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/233747 ## Contact - View profile at Loan Factory: https://www.loanfactory.com/mortgage-expert/emmett-clark-233747 ## Sources - nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/233747 - state_regulator: https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=223124&contact=442840 - state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip - state_regulator: https://data.pa.gov/d/tyxc-jyug - lender_site: https://www.loanfactory.com/mortgage-expert/emmett-clark-233747 Cite as: Emmett Clark (NMLS 233747), Loan Factory. LenDb.ai, https://lendb.ai/lo/emmett-clark-233747, last verified 2026-10-09. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._