---
canonical_url: https://lendb.ai/lo/katherine-morris-451750
json_url: https://lendb.ai/lo/katherine-morris-451750.json
nmls_id: 451750
last_verified: 2026-10-09
---

# Kathy Morris

Branch Manager, Builder Services at Embrace Home Loans, Tampa, FL. NMLS ID 451750 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/451750)).

**Summary:** Kathy Morris (NMLS 451750) is Branch Manager, Builder Services at Embrace Home Loans, based in Tampa, FL. Licensed in Florida, confirmed with the state regulator (license LO130461). Also lists Arkansas on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: VA loan. Earliest state license record: July 23, 2024 (Florida), per state regulator. Last verified 2026-10-09.

## At a glance

- Earliest state license record: July 23, 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), Arkansas (AR, 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

- **VA loan** (`va`): lender page, confidence 0.85, verified 2026-10-09. Source: https://www.embracehomeloans.com/location/florida/tampa/kathy-morris

## About

Seasoned Branch Manager with 40+ years in Florida. Prior lending experience at Prime Lending managing loan officers and P&L. Specializes in veterans loans and serves Ocala, Springhill, and Tampa areas.

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

## Facts from the lender page and intro

- role: Branch Manager overseeing dedicated team of loan officers while maintaining personal production. Source: https://www.embracehomeloans.com/location/florida/tampa/kathy-morris, verified 2026-10-09.
- years_experience: Seasoned professional with over 4 decades living in Florida. Source: https://www.embracehomeloans.com/location/florida/tampa/kathy-morris, verified 2026-10-09.
- service_area: Ocala, Springhill, and Tampa areas. Source: https://www.embracehomeloans.com/location/florida/tampa/kathy-morris, verified 2026-10-09.
- credential: Active member of Mortgage Bankers Association (MBA) and Women's Council of REATORS (WCR); world championships and numerous circuit awards in horse showing. Source: https://www.embracehomeloans.com/location/florida/tampa/kathy-morris, verified 2026-10-09.
- community: Dedicated to community outreach, previously involved in homeless outreach in Ocala. Source: https://www.embracehomeloans.com/location/florida/tampa/kathy-morris, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO130461 | active | confirmed | 2024-07-23 | state_regulator | 2026-10-09 |
| AR | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: Embrace Home Loans (NMLS 2184), Tampa, FL. Source: https://www.embracehomeloans.com/location/florida/tampa/kathy-morris, 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/451750

## Contact

- linkedin_url: https://www.linkedin.com/in/kathymorrisocala/ (source: lender_site, verified 2026-10-09)
- View profile at Embrace Home Loans: https://www.embracehomeloans.com/location/florida/tampa/kathy-morris
- Office phone and Email on file: shown at https://lendb.ai/lo/katherine-morris-451750#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/451750
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip
- lender_site: https://www.embracehomeloans.com/location/florida/tampa/kathy-morris

Cite as: Kathy Morris (NMLS 451750), Embrace Home Loans. LenDb.ai, https://lendb.ai/lo/katherine-morris-451750, last verified 2026-10-09.

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