Lacy Smith
Mortgage Loan Officer at Loan Factory · Sacramento, CA
NMLS ID 1649683 (opens in a new tab) · verify at NMLS Consumer Access
Lacy Smith (NMLS 1649683) is Mortgage Loan Officer at Loan Factory, based in Sacramento, CA. Lists California on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: FHA loan and VA loan.
Last verified . Sources: Loan Factory (loanfactory.com) and NMLS Consumer Access (license status, check live).
- 1 state
- Unclaimed profile
- Disciplinary history not yet checked
Specialties
Where we saw these: loanfactory.com (opens in a new tab)
Evidence levels, strongest first: production data, lender page, self-reported.
Languages
Not listed
Licensed states
Lender-reported: CA is listed on the lender page, not yet checked with the state regulator.
Contact
- Profile (opens in a new tab)
We never see who you contact.
Employment history
Loan Factory NMLS 320841
Current · Sacramento, CA · seen on lender site 2026-10-09
Disciplinary history
Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access (opens in a new tab).
About
Lacy Smith is a mortgage broker and financing advisor in the Sacramento area offering home loans, refinancing, FHA/VA loans, and home purchasing services.
Our summary of the lender page. Verified 2026-10-09.
Sources
| Name and employer | lender site · loanfactory.com (opens in a new tab) | verified 2026-10-09 |
| Licensed states | lender site · loanfactory.com (opens in a new tab) | verified 2026-10-09 |
| Specialties | lender site · loanfactory.com (opens in a new tab) | verified 2026-10-09 |
| Summary | lender site · loanfactory.com (opens in a new tab) | verified 2026-10-09 |
| Photo | lender site · loanfactory.com (opens in a new tab) | verified 2026-10-09 |
| License status | NMLS Consumer Access (opens in a new tab) | check live |
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Cite as: Lacy Smith (NMLS 1649683), Loan Factory. LenDb.ai, https://lendb.ai/lo/lacy-smith-1649683, last verified 2026-10-09.
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Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.