---
canonical_url: https://lendb.ai/lo/kvitoslava-melnik-2316172
json_url: https://lendb.ai/lo/kvitoslava-melnik-2316172.json
nmls_id: 2316172
last_verified: 2026-10-09
---

# Kristina Melnik

Loan Officer at Churchill Mortgage, Roseville, CA. NMLS ID 2316172 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2316172)).

**Summary:** Kristina Melnik (NMLS 2316172) is Loan Officer at Churchill Mortgage, based in Roseville, CA. Licensed in Florida, confirmed with the state regulator (license LO138476). Also lists California, Minnesota, South Carolina, Tennessee and Wisconsin on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: FHA loan, First-time buyer, Real estate investor and VA loan. Speaks Russian and Ukrainian. Licensed since 2025 (per Florida records). States 8 years of experience. Last verified 2026-10-09.

## At a glance

- Licensed since 2025 (per Florida records). This is license history on file, not total experience.
- Years experience (stated by the LO): 8 (source: https://www.churchillmortgage.com/loan-officers/kristina-melnik, verified 2026-10-09)
- Licensed in: Florida (FL, confirmed), California (CA, lender_reported), Minnesota (MN, lender_reported), South Carolina (SC, lender_reported), Tennessee (TN, lender_reported), Wisconsin (WI, 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: Russian, Ukrainian
- Profile: unclaimed
- Status: active

## Specialties

- **FHA loan** (`fha`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.churchillmortgage.com/loan-officers/kristina-melnik
- **First-time buyer** (`first-time-buyer`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.churchillmortgage.com/loan-officers/kristina-melnik
- **Real estate investor** (`investor`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.churchillmortgage.com/loan-officers/kristina-melnik
- **VA loan** (`va`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.churchillmortgage.com/loan-officers/kristina-melnik

## About

Over 8 years as a mortgage loan officer specializing in FHA, VA, conventional loans, and real estate investor financing with fluency in Russian and Ukrainian.

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

## Facts from the lender page and intro

- years_experience: 8. Source: https://www.churchillmortgage.com/loan-officers/kristina-melnik, verified 2026-10-09.
- credential: Fluent in Russian and Ukrainian. Source: https://www.churchillmortgage.com/loan-officers/kristina-melnik, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO138476 | active | confirmed | 2025-05-30 | state_regulator | 2026-10-09 |
| CA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| MN | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| SC | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| TN | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| WI | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: Churchill Mortgage (NMLS 1591), Roseville, CA. Source: https://www.churchillmortgage.com/loan-officers/kristina-melnik, 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/2316172

## Contact

- View profile at Churchill Mortgage: https://www.churchillmortgage.com/loan-officers/kristina-melnik
- Email on file: shown at https://lendb.ai/lo/kvitoslava-melnik-2316172#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2316172
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip
- lender_site: https://www.churchillmortgage.com/loan-officers/kristina-melnik

Cite as: Kristina Melnik (NMLS 2316172), Churchill Mortgage. LenDb.ai, https://lendb.ai/lo/kvitoslava-melnik-2316172, last verified 2026-10-09.

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