---
canonical_url: https://lendb.ai/lo/james-podratsky-312528
json_url: https://lendb.ai/lo/james-podratsky-312528.json
nmls_id: 312528
last_verified: 2026-10-09
---

# Jim Podratsky

SVP, Branch Manager & Sr. Loan Officer at Atlantic Coast Mortgage, Gainesville, VA. NMLS ID 312528 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/312528)).

**Summary:** 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 2026-10-09.

## At a glance

- Licensed since 2021 (per Florida records). This is license history on file, not total experience.
- Licensed in: Florida (FL, confirmed), Delaware (DE, lender_reported), Maryland (MD, lender_reported), North Carolina (NC, lender_reported), South Carolina (SC, lender_reported), Virginia (VA, lender_reported), West Virginia (WV, 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


## Facts from the lender page and intro

- credential: President's Club, Atlantic Coast Mortgage (2024). Source: https://www.atlanticcoastmortgage.com/lo/jim-podratsky/, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO82670 | active | confirmed | 2021-02-25 | state_regulator | 2026-10-09 |
| DE | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| MD | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| NC | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| SC | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| VA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| WV | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: Atlantic Coast Mortgage (NMLS 643114), Gainesville, VA. Source: https://www.atlanticcoastmortgage.com/lo/jim-podratsky/, 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/312528

## Contact

- linkedin_url: https://www.linkedin.com/in/jpod-homeloans/ (source: lender_site, verified 2026-10-09)
- View profile at Atlantic Coast Mortgage: https://www.atlanticcoastmortgage.com/lo/jim-podratsky/

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/312528
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip
- lender_site: https://www.atlanticcoastmortgage.com/lo/jim-podratsky/

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

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