---
canonical_url: https://lendb.ai/lo/kristen-walther-231119
json_url: https://lendb.ai/lo/kristen-walther-231119.json
nmls_id: 231119
last_verified: 2026-10-09
---

# Kristen Walther-Merkins

Sr. Loan Officer at Highlands Residential Mortgage, Allen, TX. NMLS ID 231119 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/231119)).

**Summary:** Kristen Walther-Merkins (NMLS 231119) is Sr. Loan Officer at Highlands Residential Mortgage, based in Allen, TX. Lists Maryland, Texas and Virginia on the lender page (not yet checked with the state regulator). Earliest state license record: May 3, 2021 (Florida), per state regulator. Last verified 2026-10-09.

## At a glance

- Earliest state license record: May 3, 2021 (Florida), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Licensed in: Maryland (MD, lender_reported), Texas (TX, 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


## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO86933 | expired | confirmed | 2021-05-03 | state_regulator | 2026-10-09 |
| MD | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| TX | 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: Highlands Residential Mortgage (NMLS 134871), Allen, TX. Source: https://www.highlandsmortgage.com/agents/kristen-walther/, 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/231119

## Contact

- linkedin_url: https://www.linkedin.com/in/kristen-walther-merkins-44a2223/ (source: lender_site, verified 2026-10-09)
- View profile at Highlands Residential Mortgage: https://www.highlandsmortgage.com/agents/kristen-walther/
- Office phone and Email on file: shown at https://lendb.ai/lo/kristen-walther-231119#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/231119
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip
- lender_site: https://www.highlandsmortgage.com/agents/kristen-walther/

Cite as: Kristen Walther-Merkins (NMLS 231119), Highlands Residential Mortgage. LenDb.ai, https://lendb.ai/lo/kristen-walther-231119, last verified 2026-10-09.

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