---
canonical_url: https://lendb.ai/lo/kristina-hughes-1179429
json_url: https://lendb.ai/lo/kristina-hughes-1179429.json
nmls_id: 1179429
last_verified: 2026-10-15
---

# Kristina Hughes

Loan Officer at Full Realty Services, Inc.. NMLS ID 1179429 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1179429)).

**Summary:** Kristina Hughes (NMLS 1179429) is Loan Officer at Full Realty Services, Inc.. Licensed in Texas, confirmed with the state regulator. Focus areas shown on the lender page: VA loan, Construction loan, FHA loan, Jumbo loan and Real estate investor. Earliest state license record: September 12, 2022 (Texas), per state regulator. States 35 years of experience. Last verified 2026-10-15.

## At a glance

- Earliest state license record: September 12, 2022 (Texas), 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): 35 (source: https://21stcenturylending.com/lo/kristina21stcenturylending-com/, verified 2026-10-15)
- Licensed in: Texas (TX, confirmed)
- 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

### Focus (officer level: their own bio, title, certification, specialty list or claim)

- **VA loan** (`va`): from their lender profile page, confidence 0.85, verified 2026-10-15. Source: https://21stcenturylending.com/lo/kristina21stcenturylending-com/
- **Construction loan** (`construction`): from their lender profile page, confidence 0.70, verified 2026-10-15. Source: https://21stcenturylending.com/lo/kristina21stcenturylending-com/
- **FHA loan** (`fha`): from their lender profile page, confidence 0.70, verified 2026-10-15. Source: https://21stcenturylending.com/lo/kristina21stcenturylending-com/
- **Jumbo loan** (`jumbo`): from their lender profile page, confidence 0.70, verified 2026-10-15. Source: https://21stcenturylending.com/lo/kristina21stcenturylending-com/
- **Real estate investor** (`investor`): from their lender profile page, confidence 0.70, verified 2026-10-15. Source: https://21stcenturylending.com/lo/kristina21stcenturylending-com/
- **Reverse mortgage** (`reverse`): from their lender profile page, confidence 0.70, verified 2026-10-15. Source: https://21stcenturylending.com/lo/kristina21stcenturylending-com/
- **USDA loan** (`usda`): from their lender profile page, confidence 0.70, verified 2026-10-15. Source: https://21stcenturylending.com/lo/kristina21stcenturylending-com/

## Facts from the lender page and intro

- years_experience: 35. Source: https://21stcenturylending.com/lo/kristina21stcenturylending-com/, verified 2026-10-15.
- role: Branch Manager. Source: https://21stcenturylending.com/lo/kristina21stcenturylending-com/, verified 2026-10-15.
- service_area: Alaska. Source: https://21stcenturylending.com/lo/kristina21stcenturylending-com/, verified 2026-10-15.
- credential: CMC - Certified Mortgage Consultant. Source: https://21stcenturylending.com/lo/kristina21stcenturylending-com/, verified 2026-10-15.
- credential: CRMS - Certified Residential Mortgage Specialist. Source: https://21stcenturylending.com/lo/kristina21stcenturylending-com/, verified 2026-10-15.
- credential: GMA - General Mortgage Associate. Source: https://21stcenturylending.com/lo/kristina21stcenturylending-com/, verified 2026-10-15.
- credential: CVLS - Certified Veterans Lending Specialist. Source: https://21stcenturylending.com/lo/kristina21stcenturylending-com/, verified 2026-10-15.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO117633 | inactive | confirmed | 2023-02-21 | state_regulator | 2026-10-15 |
| TX | state_license | n/a | active | confirmed | 2022-09-12 | state_regulator | 2026-10-13 |

## Employment history

- ? to present: Full Realty Services, Inc. (NMLS 241835). Source: https://21stcenturylending.com/lo/kristina21stcenturylending-com/, verified 2026-10-15.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1179429

## Contact

- linkedin_url: https://www.linkedin.com/in/kristina-hughes-884799a4/ (source: lender_site, verified 2026-10-15)
- View profile at Full Realty Services, Inc.: https://21stcenturylending.com/lo/kristina21stcenturylending-com/
- Office phone and Email on file: shown at https://lendb.ai/lo/kristina-hughes-1179429#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1179429
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip
- state_regulator: https://www.sml.texas.gov/
- state_regulator: https://21stcenturylending.com/lo/kristina21stcenturylending-com/

Cite as: Kristina Hughes (NMLS 1179429), Full Realty Services, Inc.. LenDb.ai, https://lendb.ai/lo/kristina-hughes-1179429, last verified 2026-10-15.

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