Kristen Baltes (NMLS 999838) is a mortgage loan officer at NEXA Mortgage, licensed in California since 2013 and in Florida, Arkansas and Illinois.
Last verified . Sources: NEXA Mortgage (dfpi.ca.gov), Florida state regulator, Arkansas state regulator, California state regulator, Illinois state regulator and NMLS Consumer Access (license status, check live).
- Earliest state license record: January 31, 2013 (California), per state regulator
- 4 states
- Unclaimed profile
- Disciplinary history not yet checked
Quick answers
- Is Kristen licensed in Florida?
- Yes. Florida regulator records list license LO139571 as active, first effective July 11, 2025 (verified 2026-10-15). LenDb has 3 other states on file for Kristen.
- Source: Florida state regulator (opens in a new tab)
- What lender does Kristen work for?
- NEXA Mortgage, company NMLS 1660690, per the lender's own site (verified 2026-10-23).
- Source: lender site (opens in a new tab)
- How long has Kristen been licensed?
- The earliest state license record LenDb holds for Kristen is from January 31, 2013 (California regulator). That is a record date from the rosters we hold, not proof of continuous licensure.
- Source: California state regulator (opens in a new tab)
Specialties
Focus
No focus listed on their lender page yet.
Their lender offers
FHA loan, Jumbo loan, Renovation loan (203k / HomeStyle), Reverse mortgage, USDA loan and VA loan. Programs NEXA Mortgage offers (verified 2026-10-08). Lender-level: not confirmed as Kristen's own focus, so ask.
Focus is the loan officer's own: their bio, title, a certification or their own specialty list on their lender page, or what they report. Programs their lender offers are listed separately and never count as their focus in search.
Licensed states
Florida, Arkansas, California, Illinois
✓ Confirmed with the state regulator: FL (opens in a new tab) (LO139571, first effective 2025-07-11), AR (opens in a new tab), CA DFPI (opens in a new tab) (CA-DOC999838, first effective 2013-01-31), IL (opens in a new tab) (31.0086415, first effective 2024-08-19), verified 2026-10-15.
Contact
No public business contact on file.
We never see who you contact.
Employment history
NEXA Mortgage NMLS 1660690
Current · seen on lender site 2026-10-23
UMortgage LLC NMLS 1457759
Current · seen on lender site 2026-10-20
Disciplinary history
Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access (opens in a new tab).
Sources
| Name and employer | state regulator · dfpi.ca.gov (opens in a new tab) | verified 2026-10-23 |
| Licenses (regulator) | state regulator · idfpr.illinois.gov (opens in a new tab) | verified 2026-10-28 |
| Lender programs | manual · nexamortgage.com (opens in a new tab) | verified 2026-10-08 |
| License status | NMLS Consumer Access (opens in a new tab) | check live |
Also available as Markdown, JSON, or via the API.
Cite as: Kristen Baltes (NMLS 999838), NEXA Mortgage. LenDb.ai, https://lendb.ai/lo/kristen-baltes-999838, last verified 2026-10-28.
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