--- canonical_url: https://lendb.ai/lo/kristopher-howard-1555049 json_url: https://lendb.ai/lo/kristopher-howard-1555049.json nmls_id: 1555049 last_verified: 2026-10-10 --- # Kris Howard Mortgage Loan Originator at AnnieMac Home Mortgage, Ponte Vedra, FL. NMLS ID 1555049 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1555049)). **Summary:** Kris Howard (NMLS 1555049) is Mortgage Loan Originator at AnnieMac Home Mortgage, based in Ponte Vedra, FL. Licensed in Florida, confirmed with the state regulator (license LO56260). Also lists Alabama, Arkansas, Arizona, California, Delaware, Georgia, Illinois, Indiana and 14 more on the lender page (not yet checked with the state regulator). Earliest state license record: September 12, 2018 (Florida), per state regulator. Last verified 2026-10-10. ## At a glance - Earliest state license record: September 12, 2018 (Florida), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience. - Licensed in: Florida (FL, confirmed), Alabama (AL, lender_reported), Arkansas (AR, lender_reported), Arizona (AZ, lender_reported), California (CA, lender_reported), Delaware (DE, lender_reported), Georgia (GA, lender_reported), Illinois (IL, lender_reported), Indiana (IN, lender_reported), Kentucky (KY, lender_reported), Louisiana (LA, lender_reported), Maryland (MD, lender_reported), Michigan (MI, lender_reported), Minnesota (MN, lender_reported), North Carolina (NC, lender_reported), New Jersey (NJ, lender_reported), Ohio (OH, lender_reported), Pennsylvania (PA, lender_reported), South Carolina (SC, lender_reported), Tennessee (TN, lender_reported), Texas (TX, lender_reported), Virginia (VA, lender_reported), Washington (WA, 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 | LO56260 | active | confirmed | 2018-09-12 | state_regulator | 2026-10-09 | | AL | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | AR | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | AZ | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | CA | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | DE | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | GA | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | IL | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | IN | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | KY | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | LA | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | MD | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | MI | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | MN | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | NC | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | NJ | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | OH | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | PA | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | SC | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | TN | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | TX | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | VA | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | WA | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | ## Employment history - ? to present: AnnieMac Home Mortgage (NMLS 338923), Ponte Vedra, FL. Source: https://annie-mac.com/lo/krishoward/, verified 2026-10-10. ## Disciplinary history Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1555049 ## Contact - View profile at AnnieMac Home Mortgage: https://annie-mac.com/lo/krishoward/ - Office phone and Email on file: shown at https://lendb.ai/lo/kristopher-howard-1555049#contact after a quick human check (not available in this file, the API or MCP). ## Sources - nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1555049 - state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip - lender_site: https://annie-mac.com/lo/krishoward/ Cite as: Kris Howard (NMLS 1555049), AnnieMac Home Mortgage. LenDb.ai, https://lendb.ai/lo/kristopher-howard-1555049, last verified 2026-10-10. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._