---
canonical_url: https://lendb.ai/lo/freddy-m-gallardo-2330284
json_url: https://lendb.ai/lo/freddy-m-gallardo-2330284.json
nmls_id: 2330284
last_verified: 2026-10-09
---

# Freddy M Gallardo

Mortgage Loan Officer at Loan Factory. NMLS ID 2330284 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2330284)).

**Summary:** Freddy M Gallardo (NMLS 2330284) is Mortgage Loan Officer at Loan Factory. Licensed in Pennsylvania, confirmed with the state regulator (license 121519). Also lists New Jersey on the lender page (not yet checked with the state regulator). Speaks English and Spanish. Last verified 2026-10-09.

## At a glance

- Licensed since: unknown (no state regulator record on file). This is license history on file, not total experience.
- Licensed in: Pennsylvania (PA, confirmed), New Jersey (NJ, 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: English, Spanish
- Profile: unclaimed
- Status: active

## Specialties


## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| PA | state_license | 121519 | active | confirmed |  | state_regulator | 2026-10-10 |
| NJ | 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/freddy-m-gallardo-2330284, 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/2330284

## Contact

- View profile at Loan Factory: https://www.loanfactory.com/mortgage-expert/freddy-m-gallardo-2330284

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2330284
- state_regulator: https://data.pa.gov/d/tyxc-jyug
- lender_site: https://www.loanfactory.com/mortgage-expert/freddy-m-gallardo-2330284

Cite as: Freddy M Gallardo (NMLS 2330284), Loan Factory. LenDb.ai, https://lendb.ai/lo/freddy-m-gallardo-2330284, last verified 2026-10-09.

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