--- canonical_url: https://lendb.ai/lo/jonathan-kulak-1403506 json_url: https://lendb.ai/lo/jonathan-kulak-1403506.json nmls_id: 1403506 last_verified: 2026-10-24 --- # Jonathan Kulak Loan officer at Trident Home Loans. NMLS ID 1403506 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1403506)). Jonathan Kulak (NMLS 1403506) is a mortgage loan officer at Trident Home Loans, licensed in Florida since 2015 and in Colorado, Pennsylvania, Texas and 6 more states. **Summary:** Jonathan Kulak (NMLS 1403506) is a loan officer at Trident Home Loans. Licensed in 10 states confirmed with state regulators: Florida, Colorado, Pennsylvania, Texas, Louisiana, Missouri, Arkansas, Oregon and 2 more. Trident Home Loans also offers Condo, Construction loan, FHA loan, Real estate investor and Jumbo loan and 5 more (a lender program, not confirmed as their own focus). Earliest state license record: October 20, 2015 (Florida), per state regulator. Last verified 2026-10-24. ## Quick answers ### Is Jonathan licensed in Florida? Yes. Florida regulator records list license LO32162 as active, first effective October 20, 2015 (verified 2026-10-15). LenDb has 9 other states on file for Jonathan. Source: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip. ### What lender does Jonathan work for? Trident Home Loans, company NMLS 65716, per the lender's own site (verified 2026-10-13). Source: https://www.sml.texas.gov/. ### How long has Jonathan been licensed? The earliest state license record LenDb holds for Jonathan is from October 20, 2015 (Florida regulator). That is a record date from the rosters we hold, not proof of continuous licensure. Source: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip. ## At a glance - Earliest state license record: October 20, 2015 (Florida), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience. - Also licensed as (state regulator records, same NMLS ID): Jonathan S. Kulak (AR, CA, CO, FL, LA, MO, OR, PA, TX, as of 2026-10-22) - Licensed in: Florida (FL, confirmed), Colorado (CO, confirmed), Pennsylvania (PA, confirmed), Texas (TX, confirmed), Louisiana (LA, confirmed), Missouri (MO, confirmed), Arkansas (AR, confirmed), Oregon (OR, confirmed), Wisconsin (WI, confirmed), California (CA DFPI, confirmed) - 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 (Languages come only from the loan officer's own lender page, and most lender pages do not list languages. A language that is not listed means not stated, not that the loan officer does not speak it.) - Profile: unclaimed - Status: active ## Specialties ### Focus (officer level: their own bio, title, certification, specialty list or claim) - None on file yet. ### Their lender offers (lender level: Trident Home Loans's programs, not confirmed as this person's focus) - **Condo** (`condo`): verified 2026-10-15. Source: https://tridenthomeloans.com - **Construction loan** (`construction`): verified 2026-10-15. Source: https://tridenthomeloans.com - **FHA loan** (`fha`): verified 2026-10-15. Source: https://tridenthomeloans.com - **Real estate investor** (`investor`): verified 2026-10-15. Source: https://tridenthomeloans.com - **Jumbo loan** (`jumbo`): verified 2026-10-15. Source: https://tridenthomeloans.com - **Low credit score** (`low-credit`): verified 2026-10-15. Source: https://tridenthomeloans.com - **Renovation loan (203k / HomeStyle)** (`renovation`): verified 2026-10-15. Source: https://tridenthomeloans.com - **USDA loan** (`usda`): verified 2026-10-15. Source: https://tridenthomeloans.com - **VA loan** (`va`): verified 2026-10-15. Source: https://tridenthomeloans.com - **Vacation home** (`vacation-home`): verified 2026-10-15. Source: https://tridenthomeloans.com ## Licenses | State | Regulator | Type | Number | Status | Confidence | Issued | Source | Verified | |---|---|---|---|---|---|---|---|---| | FL | Florida regulator | state_license | LO32162 | active | confirmed | 2015-10-20 | state_regulator | 2026-10-15 | | CO | Colorado regulator | state_license | 100514073 | active | confirmed | 2019-04-23 | state_regulator | 2026-10-16 | | PA | Pennsylvania regulator | state_license | 81547 | active | confirmed | | state_regulator | 2026-10-16 | | TX | Texas regulator | state_license | n/a | active | confirmed | 2018-10-03 | state_regulator | 2026-10-13 | | LA | Louisiana regulator | state_license | n/a | active | confirmed | | state_regulator | 2026-10-15 | | MO | Missouri regulator | state_license | n/a | active | confirmed | | state_regulator | 2026-10-19 | | AR | Arkansas regulator | state_license | n/a | active | confirmed | | state_regulator | 2026-10-20 | | OR | Oregon regulator | state_license | n/a | active | confirmed | 2021-08-19 | state_regulator | 2026-10-20 | | WI | Wisconsin regulator | state_license | 1403506 | active | confirmed | 2020-02-28 | state_regulator | 2026-10-21 | | CA | California Department of Financial Protection and Innovation | state_license | CA-DBO1403506 | active | confirmed | 2019-01-16 | state_regulator | 2026-10-24 | ## Employment history - ? to present: Trident Home Loans (NMLS 65716). Source: https://www.sml.texas.gov/, verified 2026-10-13. ## Disciplinary history Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1403506 ## Contact ## Sources - nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1403506 - state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip - state_regulator: https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=233474&contact=453527 - state_regulator: https://data.pa.gov/d/tyxc-jyug - state_regulator: https://www.sml.texas.gov/ - state_regulator: https://ofi.la.gov/non-depository/residential-mortgage-lending/originators-by-lender/ - state_regulator: https://finance.mo.gov/banks-0/bank-licensee-search - state_regulator: https://securities.arkansas.gov/loans/nmls/ - state_regulator: https://dfr.oregon.gov/ - state_regulator: https://dfi.wi.gov/Pages/BusinessServices/MortgageBanking/ - state_regulator: https://dfpi.ca.gov/ - lender_site (lender programs): https://tridenthomeloans.com Cite as: Jonathan Kulak (NMLS 1403506), Trident Home Loans. LenDb.ai, https://lendb.ai/lo/jonathan-kulak-1403506, last verified 2026-10-24. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._