---
canonical_url: https://lendb.ai/lo/jeffrey-smalley-166461
json_url: https://lendb.ai/lo/jeffrey-smalley-166461.json
nmls_id: 166461
last_verified: 2026-10-09
---

# Jeff Smalley

Mortgage Loan Officer at Loan Factory. NMLS ID 166461 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/166461)).

**Summary:** Jeff Smalley (NMLS 166461) is Mortgage Loan Officer at Loan Factory. Lists Georgia on the lender page (not yet checked with the state regulator). Earliest state license record: June 21, 2022 (Florida), per state regulator. States 26 years of experience. Last verified 2026-10-09.

## At a glance

- Earliest state license record: June 21, 2022 (Florida), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Years experience (stated by the LO): 26 (source: https://www.loanfactory.com/mortgage-expert/jeff-smalley-166461, verified 2026-10-09)
- Licensed in: Georgia (GA, 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

Jeff Smalley has 26 years in the mortgage industry, having originated over 1,800 residential first and second mortgage loans with a 99% closing rate. He specializes in FHA 203(b) and 203(k), VA, USDA RD, FNMA, FHLMC, and jumbo loans, with expertise in loan file documentation and client communication throughout the process.

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

## Facts from the lender page and intro

- years_experience: 26. Source: https://www.loanfactory.com/mortgage-expert/jeff-smalley-166461, verified 2026-10-09.
- credential: Originated over 1,800 residential first and second mortgage loans with 99% closing rate. Source: https://www.loanfactory.com/mortgage-expert/jeff-smalley-166461, verified 2026-10-09.
- other: Attends all client closings. Source: https://www.loanfactory.com/mortgage-expert/jeff-smalley-166461, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO109702 | expired | confirmed | 2022-06-21 | state_regulator | 2026-10-09 |
| GA | 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/jeff-smalley-166461, 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/166461

## Contact

- View profile at Loan Factory: https://www.loanfactory.com/mortgage-expert/jeff-smalley-166461

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/166461
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip
- lender_site: https://www.loanfactory.com/mortgage-expert/jeff-smalley-166461

Cite as: Jeff Smalley (NMLS 166461), Loan Factory. LenDb.ai, https://lendb.ai/lo/jeffrey-smalley-166461, last verified 2026-10-09.

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