---
canonical_url: https://lendb.ai/lo/joshua-hvizdak-2033036
json_url: https://lendb.ai/lo/joshua-hvizdak-2033036.json
nmls_id: 2033036
last_verified: 2026-10-09
---

# Josh Hvizdak

Mortgage Loan Officer at Loan Factory. NMLS ID 2033036 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2033036)).

**Summary:** Josh Hvizdak (NMLS 2033036) is Mortgage Loan Officer at Loan Factory. Licensed in 2 states confirmed with state regulators: Florida and Colorado. Also lists Ohio on the lender page (not yet checked with the state regulator). Earliest state license record: November 25, 2020 (Florida), per state regulator. Last verified 2026-10-09.

## At a glance

- Earliest state license record: November 25, 2020 (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), Colorado (CO, confirmed), Ohio (OH, 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

Known as "The Rate Slasher®," Josh Hvizdak combines a client-first approach with mortgage expertise to help homeowners and buyers secure smarter financing solutions. He focuses on clear explanations, fast communication, and tailored loan strategies.

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

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO77833 | active | confirmed | 2020-11-25 | state_regulator | 2026-10-09 |
| CO | state_license | 100543030 | active | confirmed | 2025-08-22 | state_regulator | 2026-10-10 |
| OH | 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/josh-hvizdak-2033036, 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/2033036

## Contact

- linkedin_url: https://www.linkedin.com/in/josh-hvizdak-61b296ab (source: lender_site, verified 2026-10-09)
- View profile at Loan Factory: https://www.loanfactory.com/mortgage-expert/josh-hvizdak-2033036

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2033036
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip
- state_regulator: https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=344885&contact=579150
- lender_site: https://www.loanfactory.com/mortgage-expert/josh-hvizdak-2033036

Cite as: Josh Hvizdak (NMLS 2033036), Loan Factory. LenDb.ai, https://lendb.ai/lo/joshua-hvizdak-2033036, last verified 2026-10-09.

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