---
canonical_url: https://lendb.ai/lo/holly-luca-586712
json_url: https://lendb.ai/lo/holly-luca-586712.json
nmls_id: 586712
last_verified: 2026-10-09
---

# Holly Luca

Mortgage Strategist at Loan Factory. NMLS ID 586712 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/586712)).

**Summary:** Holly Luca (NMLS 586712) is Mortgage Strategist at Loan Factory. Licensed in Florida, confirmed with the state regulator (license LO120487). Also lists California, Iowa and Texas on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: Real estate investor. Earliest state license record: June 5, 2023 (Florida), per state regulator. Last verified 2026-10-09.

## At a glance

- Earliest state license record: June 5, 2023 (Florida), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Licensed in: Florida (FL, confirmed), California (CA, lender_reported), Iowa (IA, lender_reported), Texas (TX, 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

- **Real estate investor** (`investor`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.loanfactory.com/mortgage-expert/holly-luca-586712

## About

Holly Luca is a mortgage strategist with extensive experience in mortgage lending, banking, credit, and consumer finance. She provides personalized financing guidance across Texas, California, Florida, and Iowa, helping homebuyers, homeowners, veterans, investors, and real estate professionals make informed decisions.

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

## Facts from the lender page and intro

- credential: Extensive experience in mortgage lending, banking, credit, and consumer finance. Source: https://www.loanfactory.com/mortgage-expert/holly-luca-586712, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO120487 | active | confirmed | 2023-06-05 | state_regulator | 2026-10-09 |
| CA | 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 |
| TX | 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/holly-luca-586712, 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/586712

## Contact

- linkedin_url: https://www.linkedin.com/in/holly-luca (source: lender_site, verified 2026-10-09)
- View profile at Loan Factory: https://www.loanfactory.com/mortgage-expert/holly-luca-586712

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/586712
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip
- lender_site: https://www.loanfactory.com/mortgage-expert/holly-luca-586712

Cite as: Holly Luca (NMLS 586712), Loan Factory. LenDb.ai, https://lendb.ai/lo/holly-luca-586712, last verified 2026-10-09.

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