---
canonical_url: https://lendb.ai/lo/kyle-pendell-2180145
json_url: https://lendb.ai/lo/kyle-pendell-2180145.json
nmls_id: 2180145
last_verified: 2026-10-09
---

# Kyle Pendell

Mortgage Loan Officer at Loan Factory, San Diego, CA. NMLS ID 2180145 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2180145)).

**Summary:** Kyle Pendell (NMLS 2180145) is Mortgage Loan Officer at Loan Factory, based in San Diego, CA. Lists California and Texas on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: FHA loan, First-time buyer and VA loan. Earliest state license record: September 27, 2022 (Florida), per state regulator. Last verified 2026-10-09.

## At a glance

- Earliest state license record: September 27, 2022 (Florida), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Licensed in: California (CA, lender_reported), 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

- **FHA loan** (`fha`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.loanfactory.com/mortgage-expert/kyle-pendell-2180145
- **First-time buyer** (`first-time-buyer`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.loanfactory.com/mortgage-expert/kyle-pendell-2180145
- **VA loan** (`va`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.loanfactory.com/mortgage-expert/kyle-pendell-2180145

## About

Kyle specializes in VA and FHA loans for first-time buyers. Based in San Diego, he offers clear communication and access to real estate services under one roof.

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

## Facts from the lender page and intro

- service_area: San Diego, California and licensed in Texas. Source: https://www.loanfactory.com/mortgage-expert/kyle-pendell-2180145, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO113645 | inactive | confirmed | 2022-09-27 | state_regulator | 2026-10-09 |
| CA | 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 |

## Employment history

- ? to present: Loan Factory (NMLS 320841), San Diego, CA. Source: https://www.loanfactory.com/mortgage-expert/kyle-pendell-2180145, 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/2180145

## Contact

- linkedin_url: https://www.linkedin.com/in/kyle-pendell-900650123/ (source: lender_site, verified 2026-10-09)
- View profile at Loan Factory: https://www.loanfactory.com/mortgage-expert/kyle-pendell-2180145

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2180145
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip
- lender_site: https://www.loanfactory.com/mortgage-expert/kyle-pendell-2180145

Cite as: Kyle Pendell (NMLS 2180145), Loan Factory. LenDb.ai, https://lendb.ai/lo/kyle-pendell-2180145, last verified 2026-10-09.

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