---
canonical_url: https://lendb.ai/lo/freddy-cova-231300
json_url: https://lendb.ai/lo/freddy-cova-231300.json
nmls_id: 231300
last_verified: 2026-10-26
---

# Freddy Cova

Loan officer at Standard Mortgage Capital LLC. NMLS ID 231300 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/231300)).

Freddy Cova (NMLS 231300) is a mortgage loan officer at Standard Mortgage Capital LLC, licensed in Maryland. Freddy works at an FHA-approved lender, per HUD.

**Summary:** Freddy Cova (NMLS 231300) is a loan officer at Standard Mortgage Capital LLC. Licensed in Maryland, confirmed with the state regulator. Earliest state license record: February 26, 2018 (Florida), per state regulator. Last verified 2026-10-26.

## Quick answers

### Is Freddy licensed in Maryland?

Yes. Maryland regulator records list a license as active (verified 2026-10-26). Source: https://www.labor.maryland.gov/finance/.

### What lender does Freddy work for, and is it FHA-approved?

Standard Mortgage Capital LLC, company NMLS 1604663, per the lender's own site (verified 2026-10-26). Works at an FHA-approved lender, per HUD (HUD FHA data, loans endorsed through Aug 2026). Source: https://www.labor.maryland.gov/finance/.

### How long has Freddy been licensed?

The earliest state license record LenDb holds for Freddy is from February 26, 2018 (Florida regulator). That is a record date from the rosters we hold, not proof of continuous licensure. Source: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip.

## At a glance

- Earliest state license record: February 26, 2018 (Florida), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Also licensed as (state regulator records, same NMLS ID): Freddy J. Cova (FL, MD, as of 2026-10-26)
- Licensed in: Maryland (MD, confirmed)
- Works at an FHA-approved lender, per HUD (HUD FHA data, loans endorsed through Aug 2026): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot
- 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 |
|---|---|---|---|---|---|---|---|---|
| FL | Florida regulator | state_license | LO51104 | expired | confirmed | 2018-02-26 | state_regulator | 2026-10-15 |
| MD | Maryland regulator | state_license | n/a | active | confirmed |  | state_regulator | 2026-10-26 |

## Employment history

- ? to present: Standard Mortgage Capital LLC (NMLS 1604663). Source: https://www.labor.maryland.gov/finance/, verified 2026-10-26.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/231300

## Contact


## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/231300
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip
- state_regulator: https://www.labor.maryland.gov/finance/
- HUD (FHA data): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot

Cite as: Freddy Cova (NMLS 231300), Standard Mortgage Capital LLC. LenDb.ai, https://lendb.ai/lo/freddy-cova-231300, last verified 2026-10-26.

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