Jim Podratsky

SVP, Branch Manager & Sr. Loan Officer at Atlantic Coast Mortgage · Gainesville, VA

NMLS ID 312528 (opens in a new tab) · verify at NMLS Consumer Access

Jim Podratsky (NMLS 312528) is SVP, Branch Manager & Sr. Loan Officer at Atlantic Coast Mortgage, based in Gainesville, VA. Licensed in Florida, confirmed with the state regulator (license LO82670). Also lists Delaware, Maryland, North Carolina, South Carolina, Virginia and West Virginia on the lender page (not yet checked with the state regulator). Licensed since 2021 (per Florida records).

Last verified . Sources: Atlantic Coast Mortgage (atlanticcoastmortgage.com), Florida state regulator and NMLS Consumer Access (license status, check live).

Specialties

None listed on the lender page yet.

    Evidence levels, strongest first: production data, lender page, self-reported.

    Languages

    Not listed

    Licensed states

    AKMEVTNHWAIDMTNDMNILWIMINYMARIORNVWYSDIAINOHPANJCTCAUTCONEMOKYWVVAMDDEAZNMKSARTNNCSCDCOKLAMSALGAHITXFL

    Florida, Delaware, Maryland, North Carolina, South Carolina, Virginia, West Virginia

    ✓ Confirmed with the state regulator: FL (opens in a new tab) (LO82670, since 2021), verified 2026-10-09.

    Lender-reported: DE, MD, NC, SC, VA, WV are listed on the lender page, not yet checked with the state regulator.

    Contact

    View profile at Atlantic Coast Mortgage (opens in a new tab)

    We never see who you contact.

    Employment history

    1. Atlantic Coast Mortgage NMLS 643114

      Current · Gainesville, VA · seen on lender site 2026-10-09

    Disciplinary history

    Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access (opens in a new tab).

    About

    Credentials
    President's Club, Atlantic Coast Mortgage (2024)
    Source (opens in a new tab), verified 2026-10-09

    Sources

    Name and employerlender site · atlanticcoastmortgage.com (opens in a new tab)verified 2026-10-09
    Licenses (regulator)state regulator · real.flofr.com (opens in a new tab)verified 2026-10-09
    Licensed stateslender site · atlanticcoastmortgage.com (opens in a new tab)verified 2026-10-09
    License statusNMLS Consumer Access (opens in a new tab)check live

    Also available as Markdown, JSON, or via the API.

    Cite as: Jim Podratsky (NMLS 312528), Atlantic Coast Mortgage. LenDb.ai, https://lendb.ai/lo/james-podratsky-312528, last verified 2026-10-09.

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