---
canonical_url: https://lendb.ai/lo/kelly-santos-994273
json_url: https://lendb.ai/lo/kelly-santos-994273.json
nmls_id: 994273
last_verified: 2026-10-09
---

# Kelly Santos

Branch Manager & Loan Officer at Atlantic Coast Mortgage, Trinity, FL. NMLS ID 994273 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/994273)).

**Summary:** Kelly Santos (NMLS 994273) is Branch Manager & Loan Officer at Atlantic Coast Mortgage, based in Trinity, FL. Licensed in Florida, confirmed with the state regulator (license LO17580). Also lists Tennessee on the lender page (not yet checked with the state regulator). Licensed since 2013 (per Florida records). Last verified 2026-10-09.

## At a glance

- Licensed since 2013 (per Florida records). This is license history on file, not total experience.
- Licensed in: Florida (FL, confirmed), Tennessee (TN, 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


## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO17580 | active | confirmed | 2013-01-04 | state_regulator | 2026-10-09 |
| TN | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: Atlantic Coast Mortgage (NMLS 643114), Trinity, FL. Source: https://www.atlanticcoastmortgage.com/lo/kelly-santos/, 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/994273

## Contact

- linkedin_url: https://www.linkedin.com/in/kellysantosmortgage/ (source: lender_site, verified 2026-10-09)
- View profile at Atlantic Coast Mortgage: https://www.atlanticcoastmortgage.com/lo/kelly-santos/
- Office phone on file: shown at https://lendb.ai/lo/kelly-santos-994273#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/994273
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip
- lender_site: https://www.atlanticcoastmortgage.com/lo/kelly-santos/

Cite as: Kelly Santos (NMLS 994273), Atlantic Coast Mortgage. LenDb.ai, https://lendb.ai/lo/kelly-santos-994273, last verified 2026-10-09.

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