---
canonical_url: https://lendb.ai/lo/j-scott-brown-813832
json_url: https://lendb.ai/lo/j-scott-brown-813832.json
nmls_id: 813832
last_verified: 2026-10-09
---

# J Scott Brown

Mortgage Loan Officer at Loan Factory. NMLS ID 813832 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/813832)).

**Summary:** J Scott Brown (NMLS 813832) is Mortgage Loan Officer at Loan Factory. Lists Arizona and California on the lender page (not yet checked with the state regulator). States 28 years of experience. 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.
- Years experience (stated by the LO): 28 (source: https://www.loanfactory.com/mortgage-expert/j-scott-brown-813832, verified 2026-10-09)
- Licensed in: Arizona (AZ, lender_reported), California (CA, 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


## About

Since 1998, Brown has specialized in 'Lifestyle Lending'—a mortgage strategy focused on reducing total borrowing costs, increasing cash flow, and building long-term wealth. Brown emphasizes strategic home equity management over lowest-rate positioning, particularly for retirees and those approaching major life transitions.

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

## Facts from the lender page and intro

- years_experience: 28. Source: https://www.loanfactory.com/mortgage-expert/j-scott-brown-813832, verified 2026-10-09.
- years_experience: since 1998. Source: https://www.loanfactory.com/mortgage-expert/j-scott-brown-813832, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| AZ | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| CA | 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/j-scott-brown-813832, 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/813832

## Contact

- View profile at Loan Factory: https://www.loanfactory.com/mortgage-expert/j-scott-brown-813832

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/813832
- lender_site: https://www.loanfactory.com/mortgage-expert/j-scott-brown-813832

Cite as: J Scott Brown (NMLS 813832), Loan Factory. LenDb.ai, https://lendb.ai/lo/j-scott-brown-813832, last verified 2026-10-09.

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