---
canonical_url: https://lendb.ai/lo/kimberly-limes-198431
json_url: https://lendb.ai/lo/kimberly-limes-198431.json
nmls_id: 198431
last_verified: 2026-10-09
---

# Kimberly Marie Limes

Mortgage Loan Officer at Loan Factory. NMLS ID 198431 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/198431)).

**Summary:** Kimberly Marie Limes (NMLS 198431) is Mortgage Loan Officer at Loan Factory. Licensed in Florida, confirmed with the state regulator (license LO140415). Also lists Michigan and Ohio on the lender page (not yet checked with the state regulator). Earliest state license record: August 12, 2025 (Florida), per state regulator. States 30 years of experience. Last verified 2026-10-09.

## At a glance

- Earliest state license record: August 12, 2025 (Florida), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Years experience (stated by the LO): 30 (source: https://www.loanfactory.com/mortgage-expert/kimberly-marie-limes-198431, verified 2026-10-09)
- Licensed in: Florida (FL, confirmed), Michigan (MI, lender_reported), Ohio (OH, 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


## About

Over 30 years of mortgage industry experience specializing in personalized service from pre-approval through closing, with a business built on referrals and helping clients achieve homeownership through purchase or refinancing.

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

## Facts from the lender page and intro

- years_experience: 30. Source: https://www.loanfactory.com/mortgage-expert/kimberly-marie-limes-198431, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO140415 | active | confirmed | 2025-08-12 | state_regulator | 2026-10-09 |
| MI | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| OH | 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/kimberly-marie-limes-198431, 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/198431

## Contact

- View profile at Loan Factory: https://www.loanfactory.com/mortgage-expert/kimberly-marie-limes-198431

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/198431
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip
- lender_site: https://www.loanfactory.com/mortgage-expert/kimberly-marie-limes-198431

Cite as: Kimberly Marie Limes (NMLS 198431), Loan Factory. LenDb.ai, https://lendb.ai/lo/kimberly-limes-198431, last verified 2026-10-09.

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