---
canonical_url: https://lendb.ai/lo/jessica-smith-853649
json_url: https://lendb.ai/lo/jessica-smith-853649.json
nmls_id: 853649
last_verified: 2026-10-09
---

# Jessica Smith

Mortgage Loan Officer at Loan Factory. NMLS ID 853649 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/853649)).

**Summary:** Jessica Smith (NMLS 853649) is Mortgage Loan Officer at Loan Factory. Licensed in Florida, confirmed with the state regulator (license LO115788). Also lists Georgia, Oregon and Texas on the lender page (not yet checked with the state regulator). Earliest state license record: December 9, 2022 (Florida), per state regulator. Last verified 2026-10-09.

## At a glance

- Earliest state license record: December 9, 2022 (Florida), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Licensed in: Florida (FL, confirmed), Georgia (GA, lender_reported), Oregon (OR, lender_reported), Texas (TX, 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

Over 20 years as mortgage underwriter with expertise in loan structuring to reduce conditions and stress. Passionate about helping borrowers through informed, confident homeownership.

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

## Facts from the lender page and intro

- years_experience: over 20. Source: https://www.loanfactory.com/mortgage-expert/jessica-smith-853649, verified 2026-10-09.
- role: Mortgage underwriter, mortgage broker. Source: https://www.loanfactory.com/mortgage-expert/jessica-smith-853649, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO115788 | active | confirmed | 2022-12-09 | state_regulator | 2026-10-09 |
| GA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| OR | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| TX | 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/jessica-smith-853649, 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/853649

## Contact

- linkedin_url: https://www.linkedin.com/in/jessicaenriquezsmith/ (source: lender_site, verified 2026-10-09)
- View profile at Loan Factory: https://www.loanfactory.com/mortgage-expert/jessica-smith-853649

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/853649
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip
- lender_site: https://www.loanfactory.com/mortgage-expert/jessica-smith-853649

Cite as: Jessica Smith (NMLS 853649), Loan Factory. LenDb.ai, https://lendb.ai/lo/jessica-smith-853649, last verified 2026-10-09.

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