---
canonical_url: https://lendb.ai/lo/kim-tubbs-1807268
json_url: https://lendb.ai/lo/kim-tubbs-1807268.json
nmls_id: 1807268
last_verified: 2026-10-09
---

# Kim Tubbs

Mortgage Loan Officer at Loan Factory. NMLS ID 1807268 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1807268)).

**Summary:** Kim Tubbs (NMLS 1807268) is Mortgage Loan Officer at Loan Factory. Lists Alabama, Georgia, Indiana, Minnesota, North Carolina and Virginia on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: Down payment assistance. States 5 years of experience. Last verified 2026-10-09.

## At a glance

- Earliest state license record: none on file. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Years experience (stated by the LO): 5 (source: https://www.loanfactory.com/mortgage-expert/kim-tubbs-1807268, verified 2026-10-09)
- Licensed in: Alabama (AL, lender_reported), Georgia (GA, lender_reported), Indiana (IN, lender_reported), Minnesota (MN, lender_reported), North Carolina (NC, lender_reported), Virginia (VA, 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

- **Down payment assistance** (`down-payment-assistance`): lender page, confidence 0.85, verified 2026-10-09. Source: https://www.loanfactory.com/mortgage-expert/kim-tubbs-1807268

## About

Wholesale loan officer with over 5 years of residential mortgage experience, primarily serving low to middle-income families with down payment assistance and grant programs.

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

## Facts from the lender page and intro

- years_experience: 5. Source: https://www.loanfactory.com/mortgage-expert/kim-tubbs-1807268, verified 2026-10-09.
- service_area: low to middle-income families. Source: https://www.loanfactory.com/mortgage-expert/kim-tubbs-1807268, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| AL | 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 |
| IN | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| MN | 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 |
| VA | 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/kim-tubbs-1807268, 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/1807268

## Contact

- View profile at Loan Factory: https://www.loanfactory.com/mortgage-expert/kim-tubbs-1807268

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1807268
- lender_site: https://www.loanfactory.com/mortgage-expert/kim-tubbs-1807268

Cite as: Kim Tubbs (NMLS 1807268), Loan Factory. LenDb.ai, https://lendb.ai/lo/kim-tubbs-1807268, last verified 2026-10-09.

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