---
canonical_url: https://lendb.ai/lo/keith-allen-198190
json_url: https://lendb.ai/lo/keith-allen-198190.json
nmls_id: 198190
last_verified: 2026-10-09
---

# Keith Allen

Mortgage Loan Officer at Loan Factory. NMLS ID 198190 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/198190)).

**Summary:** Keith Allen (NMLS 198190) is Mortgage Loan Officer at Loan Factory. Licensed in Florida, confirmed with the state regulator (license LO136170). Also lists California and New Jersey on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: DSCR loan, Jumbo loan, Non-QM loan and Real estate investor. Licensed since 2025 (per Florida records). States 33 years of experience. Last verified 2026-10-09.

## At a glance

- Licensed since 2025 (per Florida records). This is license history on file, not total experience.
- Years experience (stated by the LO): 33 (source: https://www.loanfactory.com/mortgage-expert/keith-allen-198190, verified 2026-10-09)
- Licensed in: Florida (FL, confirmed), California (CA, 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: not listed
- Profile: unclaimed
- Status: active

## Specialties

- **DSCR loan** (`dscr`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.loanfactory.com/mortgage-expert/keith-allen-198190
- **Jumbo loan** (`jumbo`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.loanfactory.com/mortgage-expert/keith-allen-198190
- **Non-QM loan** (`non-qm`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.loanfactory.com/mortgage-expert/keith-allen-198190
- **Real estate investor** (`investor`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.loanfactory.com/mortgage-expert/keith-allen-198190

## About

With 33+ years in the mortgage industry, Keith specializes in complex loan scenarios including jumbo, non-QM, construction, investor, DSCR, and fix & flip financing for self-employed borrowers, high-net-worth clients, and first-time homebuyers.

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

## Facts from the lender page and intro

- years_experience: 33. Source: https://www.loanfactory.com/mortgage-expert/keith-allen-198190, verified 2026-10-09.
- role: Specializes in structuring complex loan scenarios. Source: https://www.loanfactory.com/mortgage-expert/keith-allen-198190, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO136170 | active | confirmed | 2025-03-12 | state_regulator | 2026-10-09 |
| CA | 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). Source: https://www.loanfactory.com/mortgage-expert/keith-allen-198190, 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/198190

## Contact

- linkedin_url: https://www.linkedin.com/in/keithlends/ (source: lender_site, verified 2026-10-09)
- View profile at Loan Factory: https://www.loanfactory.com/mortgage-expert/keith-allen-198190

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/198190
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip
- lender_site: https://www.loanfactory.com/mortgage-expert/keith-allen-198190

Cite as: Keith Allen (NMLS 198190), Loan Factory. LenDb.ai, https://lendb.ai/lo/keith-allen-198190, last verified 2026-10-09.

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