---
canonical_url: https://lendb.ai/lo/ethan-baeza-2245886
json_url: https://lendb.ai/lo/ethan-baeza-2245886.json
nmls_id: 2245886
last_verified: 2026-10-09
---

# Ethan Baeza

Loan Originator at Cardinal Financial Company, Midland, TX. NMLS ID 2245886 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2245886)).

**Summary:** Ethan Baeza (NMLS 2245886) is Loan Originator at Cardinal Financial Company, based in Midland, TX. Licensed in Colorado, confirmed with the state regulator (license 100543190). Licensed since 2025 (per Colorado records). Last verified 2026-10-09.

## At a glance

- Licensed since 2025 (per Colorado records). This is license history on file, not total experience.
- Licensed in: Colorado (CO, 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
- Profile: unclaimed
- Status: active

## Specialties


## About

Founder of The CHEF Team, Ethan Baeza is a Mortgage Loan Originator committed to delivering a concierge-level mortgage experience focused on personalized service from application to closing.

Source: LenDb summary of the lender page, verified 2026-10-09.

## Facts from the lender page and intro

- role: Founder of The CHEF Team. Source: https://www.cardinalfinancial.com/loan-originator/ethan-baeza/, verified 2026-10-09.
- credential: 2025 Scotsman Guide Top Originator. Source: https://www.cardinalfinancial.com/loan-originator/ethan-baeza/, verified 2026-10-09.
- credential: 2026 Scotsman Guide Top Originator. Source: https://www.cardinalfinancial.com/loan-originator/ethan-baeza/, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| CO | state_license | 100543190 | active | confirmed | 2025-09-10 | state_regulator | 2026-10-10 |

## Employment history

- ? to present: Cardinal Financial Company (NMLS 66247), Midland, TX. Source: https://www.cardinalfinancial.com/loan-originator/ethan-baeza/, 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/2245886

## Contact

- View profile at Cardinal Financial Company: https://www.cardinalfinancial.com/loan-originator/ethan-baeza/
- Office phone and Email on file: shown at https://lendb.ai/lo/ethan-baeza-2245886#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2245886
- state_regulator: https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=344924&contact=578263
- lender_site: https://www.cardinalfinancial.com/loan-originator/ethan-baeza/

Cite as: Ethan Baeza (NMLS 2245886), Cardinal Financial Company. LenDb.ai, https://lendb.ai/lo/ethan-baeza-2245886, last verified 2026-10-09.

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