---
canonical_url: https://lendb.ai/lo/john-fratta-196522
json_url: https://lendb.ai/lo/john-fratta-196522.json
nmls_id: 196522
last_verified: 2026-10-09
---

# Chris Fratta

Sales Manager/Loan Officer at Highlands Residential Mortgage, Baltimore, MD. NMLS ID 196522 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/196522)).

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

## At a glance

- Earliest state license record: February 28, 2024 (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), District of Columbia (DC, lender_reported), Delaware (DE, lender_reported), Maryland (MD, lender_reported), Pennsylvania (PA, lender_reported), Virginia (VA, 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


## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO126408 | active | confirmed | 2024-02-28 | state_regulator | 2026-10-09 |
| DC | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 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 |
| PA | 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 |

## Employment history

- ? to present: Highlands Residential Mortgage (NMLS 134871), Baltimore, MD. Source: https://www.highlandsmortgage.com/agents/chris-fratta/, 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/196522

## Contact

- View profile at Highlands Residential Mortgage: https://www.highlandsmortgage.com/agents/chris-fratta/
- Office phone and Email on file: shown at https://lendb.ai/lo/john-fratta-196522#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/196522
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip
- lender_site: https://www.highlandsmortgage.com/agents/chris-fratta/

Cite as: Chris Fratta (NMLS 196522), Highlands Residential Mortgage. LenDb.ai, https://lendb.ai/lo/john-fratta-196522, last verified 2026-10-09.

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