---
canonical_url: https://lendb.ai/lo/krystal-mckinnie-311413
json_url: https://lendb.ai/lo/krystal-mckinnie-311413.json
nmls_id: 311413
last_verified: 2026-10-09
---

# Krystal McKinnie

Mortgage Loan Officer at Loan Factory, TX. NMLS ID 311413 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/311413)).

**Summary:** Krystal McKinnie (NMLS 311413) is Mortgage Loan Officer at Loan Factory, based in Texas. Lists Texas on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: Down payment assistance and First-time buyer. Last verified 2026-10-09.

## At a glance

- Earliest state license record: none on file. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Licensed in: Texas (TX, 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

- **Down payment assistance** (`down-payment-assistance`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.loanfactory.com/mortgage-expert/krystal-mckinnie-311413
- **First-time buyer** (`first-time-buyer`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.loanfactory.com/mortgage-expert/krystal-mckinnie-311413

## About

Licensed loan officer and certified real estate expert offering comprehensive financing solutions. Specializes in down payment assistance and first-time homebuyer guidance.

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

## Facts from the lender page and intro

- credential: Certified Loan Processor and Underwriter through NAMU and MBA. Source: https://www.loanfactory.com/mortgage-expert/krystal-mckinnie-311413, verified 2026-10-09.
- credential: TSAHC Participating REALTOR®/Broker. Source: https://www.loanfactory.com/mortgage-expert/krystal-mckinnie-311413, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| TX | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: Loan Factory (NMLS 320841), TX. Source: https://www.loanfactory.com/mortgage-expert/krystal-mckinnie-311413, 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/311413

## Contact

- View profile at Loan Factory: https://www.loanfactory.com/mortgage-expert/krystal-mckinnie-311413

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/311413
- lender_site: https://www.loanfactory.com/mortgage-expert/krystal-mckinnie-311413

Cite as: Krystal McKinnie (NMLS 311413), Loan Factory. LenDb.ai, https://lendb.ai/lo/krystal-mckinnie-311413, last verified 2026-10-09.

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