---
canonical_url: https://lendb.ai/lo/jaison-koshy-1415046
json_url: https://lendb.ai/lo/jaison-koshy-1415046.json
nmls_id: 1415046
last_verified: 2026-10-09
---

# Jaison Koshy

Mortgage Loan Officer at Loan Factory. NMLS ID 1415046 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1415046)).

**Summary:** Jaison Koshy (NMLS 1415046) is Mortgage Loan Officer at Loan Factory. Lists New Jersey and Pennsylvania on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: New construction, USDA loan, DSCR loan, First-time buyer and VA loan. Licensed since 2021 (per Florida records). States 15 years of experience. Last verified 2026-10-09.

## At a glance

- Licensed since 2021 (per Florida records). This is license history on file, not total experience.
- Years experience (stated by the LO): 15 (source: https://www.loanfactory.com/mortgage-expert/jaison-koshy-1415046, verified 2026-10-09)
- Licensed in: New Jersey (NJ, lender_reported), Pennsylvania (PA, 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

- **New construction** (`new-construction`): lender page, confidence 0.70, verified 2026-10-09. Source: https://www.loanfactory.com/mortgage-expert/jaison-koshy-1415046
- **USDA loan** (`usda`): lender page, confidence 0.70, verified 2026-10-09. Source: https://www.loanfactory.com/mortgage-expert/jaison-koshy-1415046
- **DSCR loan** (`dscr`): lender page, confidence 0.63, verified 2026-10-09. Source: https://www.loanfactory.com/mortgage-expert/jaison-koshy-1415046
- **First-time buyer** (`first-time-buyer`): lender page, confidence 0.59, verified 2026-10-09. Source: https://www.loanfactory.com/mortgage-expert/jaison-koshy-1415046
- **VA loan** (`va`): lender page, confidence 0.55, verified 2026-10-09. Source: https://www.loanfactory.com/mortgage-expert/jaison-koshy-1415046
- **FHA loan** (`fha`): lender page, confidence 0.52, verified 2026-10-09. Source: https://www.loanfactory.com/mortgage-expert/jaison-koshy-1415046

## About

With over 15 years of mortgage industry experience, Jaison specializes in First-Time Homebuyers, FHA, VA, USDA, DSCR, and New Construction loans across NJ and PA.

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

## Facts from the lender page and intro

- years_experience: 15. Source: https://www.loanfactory.com/mortgage-expert/jaison-koshy-1415046, verified 2026-10-09.
- role: worked in nearly every role in the mortgage industry. Source: https://www.loanfactory.com/mortgage-expert/jaison-koshy-1415046, verified 2026-10-09.
- other: works with over 200 lenders. Source: https://www.loanfactory.com/mortgage-expert/jaison-koshy-1415046, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO86216 | expired | confirmed | 2021-04-22 | state_regulator | 2026-10-09 |
| NJ | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| PA | 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/jaison-koshy-1415046, 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/1415046

## Contact

- View profile at Loan Factory: https://www.loanfactory.com/mortgage-expert/jaison-koshy-1415046

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1415046
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip
- lender_site: https://www.loanfactory.com/mortgage-expert/jaison-koshy-1415046

Cite as: Jaison Koshy (NMLS 1415046), Loan Factory. LenDb.ai, https://lendb.ai/lo/jaison-koshy-1415046, last verified 2026-10-09.

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