---
canonical_url: https://lendb.ai/lo/heidi-torkko-2676502
json_url: https://lendb.ai/lo/heidi-torkko-2676502.json
nmls_id: 2676502
last_verified: 2026-10-09
---

# Heidi Torkko

Mortgage Loan Officer at Loan Factory. NMLS ID 2676502 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2676502)).

**Summary:** Heidi Torkko (NMLS 2676502) is Mortgage Loan Officer at Loan Factory. Lists Oregon and Washington on the lender page (not yet checked with the state regulator). Last verified 2026-10-09.

## At a glance

- Earliest state license record: none on file. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Licensed in: Oregon (OR, 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


## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| OR | 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/heidi-torkko-2676502, 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/2676502

## Contact

- View profile at Loan Factory: https://www.loanfactory.com/mortgage-expert/heidi-torkko-2676502

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2676502
- lender_site: https://www.loanfactory.com/mortgage-expert/heidi-torkko-2676502

Cite as: Heidi Torkko (NMLS 2676502), Loan Factory. LenDb.ai, https://lendb.ai/lo/heidi-torkko-2676502, last verified 2026-10-09.

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