---
canonical_url: https://lendb.ai/lo/lacy-smith-1649683
json_url: https://lendb.ai/lo/lacy-smith-1649683.json
nmls_id: 1649683
last_verified: 2026-10-09
---

# Lacy Smith

Mortgage Loan Officer at Loan Factory, Sacramento, CA. NMLS ID 1649683 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1649683)).

**Summary:** 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). Last verified 2026-10-09.

## At a glance

- Licensed since: unknown (no state regulator record on file). This is license history on file, not total experience.
- Licensed in: California (CA, 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


## About

Mortgage financing advisor serving Sacramento, CA area offering home loans, refinancing and FHA/VA home loans.

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

## Facts from the lender page and intro

- service_area: Sacramento, CA area. Source: https://www.loanfactory.com/mortgage-expert/lacy-smith-1649683, verified 2026-10-09.

## Licenses

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

## Employment history

- ? to present: Loan Factory (NMLS 320841), Sacramento, CA. Source: https://www.loanfactory.com/mortgage-expert/lacy-smith-1649683, 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/1649683

## Contact

- linkedin_url: https://www.linkedin.com/in/lacymsmithiii824963172 (source: lender_site, verified 2026-10-09)
- View profile at Loan Factory: https://www.loanfactory.com/mortgage-expert/lacy-smith-1649683

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1649683
- lender_site: https://www.loanfactory.com/mortgage-expert/lacy-smith-1649683

Cite as: Lacy Smith (NMLS 1649683), Loan Factory. LenDb.ai, https://lendb.ai/lo/lacy-smith-1649683, last verified 2026-10-09.

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