Chris Fratta

Sales Manager/Loan Officer at Highlands Residential Mortgage · Baltimore, MD

NMLS ID 196522 (opens in a new tab) · verify at NMLS Consumer Access

Chris Fratta (NMLS 196522) is Sales Manager/Loan Officer at Highlands Residential Mortgage, based in Baltimore, MD. Licensed in Florida, confirmed with the state regulator (license LO126408). Also lists District of Columbia, Delaware, Maryland, Pennsylvania and Virginia on the lender page (not yet checked with the state regulator). Earliest state license record: February 28, 2024 (Florida), per state regulator.

Last verified . Sources: Highlands Residential Mortgage (highlandsmortgage.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, District of Columbia, Delaware, Maryland, Pennsylvania, Virginia

    ✓ Confirmed with the state regulator: FL (opens in a new tab) (LO126408, first effective 2024-02-28), verified 2026-10-09.

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

    Contact

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    View profile at Highlands Residential Mortgage (opens in a new tab)

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    Employment history

    1. Highlands Residential Mortgage NMLS 134871

      Current · Baltimore, MD · 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).

    Sources

    Name and employerlender site · highlandsmortgage.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 · highlandsmortgage.com (opens in a new tab)verified 2026-10-09
    Contactlender site · highlandsmortgage.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: Chris Fratta (NMLS 196522), Highlands Residential Mortgage. LenDb.ai, https://lendb.ai/lo/john-fratta-196522, last verified 2026-10-09.

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