---
canonical_url: https://lendb.ai/lo/justin-gauthier-2098691
json_url: https://lendb.ai/lo/justin-gauthier-2098691.json
nmls_id: 2098691
last_verified: 2026-10-09
---

# Justin Gauthier

Mortgage Loan Officer at Loan Factory, CA. NMLS ID 2098691 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2098691)).

**Summary:** Justin Gauthier (NMLS 2098691) is Mortgage Loan Officer at Loan Factory, based in California. Lists California, Georgia, Illinois, North Carolina and New Jersey on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: VA loan. Speaks English and Spanish. Earliest state license record: December 14, 2022 (Florida), per state regulator. Last verified 2026-10-09.

## At a glance

- Earliest state license record: December 14, 2022 (Florida), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Licensed in: California (CA, lender_reported), Georgia (GA, lender_reported), Illinois (IL, lender_reported), North Carolina (NC, lender_reported), New Jersey (NJ, 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: English, Spanish
- Profile: unclaimed
- Status: active

## Specialties

- **VA loan** (`va`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.loanfactory.com/mortgage-expert/justin-gauthier-2098691

## About

In the mortgage industry since early 2021 with hundreds of applications processed. Specializes in VA loans and loves helping clients find good deals through refinancing.

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

## Facts from the lender page and intro

- years_experience: since 2021. Source: https://www.loanfactory.com/mortgage-expert/justin-gauthier-2098691, verified 2026-10-09.
- other: Outgoing and honest individual, happy to help anyone. Source: https://www.loanfactory.com/mortgage-expert/justin-gauthier-2098691, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO115924 | expired | confirmed | 2022-12-14 | state_regulator | 2026-10-09 |
| CA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| GA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| IL | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| NC | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| NJ | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: Loan Factory (NMLS 320841), CA. Source: https://www.loanfactory.com/mortgage-expert/justin-gauthier-2098691, 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/2098691

## Contact

- View profile at Loan Factory: https://www.loanfactory.com/mortgage-expert/justin-gauthier-2098691

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2098691
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip
- lender_site: https://www.loanfactory.com/mortgage-expert/justin-gauthier-2098691

Cite as: Justin Gauthier (NMLS 2098691), Loan Factory. LenDb.ai, https://lendb.ai/lo/justin-gauthier-2098691, last verified 2026-10-09.

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