---
canonical_url: https://lendb.ai/lo/mackenzie-smerdon-2168053
json_url: https://lendb.ai/lo/mackenzie-smerdon-2168053.json
nmls_id: 2168053
last_verified: 2026-10-09
---

# Mackenzie Smerdon

Senior Loan Officer at Embrace Home Loans, Salem, NH. NMLS ID 2168053 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2168053)).

**Summary:** Mackenzie Smerdon (NMLS 2168053) is Senior Loan Officer at Embrace Home Loans, based in Salem, NH. Lists Massachusetts, Maine and New Hampshire on the lender page (not yet checked with the state regulator). Earliest state license record: January 27, 2023 (Florida), per state regulator. Last verified 2026-10-09.

## At a glance

- Earliest state license record: January 27, 2023 (Florida), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Licensed in: Massachusetts (MA, lender_reported), Maine (ME, lender_reported), New Hampshire (NH, 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

Mackenzie (Kenzi) is a Senior Loan Officer with extensive mortgage industry experience and a commitment to transparency and tailored solutions. She was recognized as NH Housing's Top Loan Officer and brings expertise from CMG Home Loans, Premier Mortgage Lending, and Bank of America.

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

## Facts from the lender page and intro

- role: Senior Loan Officer at Embrace with extensive experience across multiple firms. Source: https://www.embracehomeloans.com/location/new-hampshire/salem/mackenzie-smerdon, verified 2026-10-09.
- credential: Recognized as NH Housing's Top Loan Officer. Source: https://www.embracehomeloans.com/location/new-hampshire/salem/mackenzie-smerdon, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO116998 | expired | confirmed | 2023-01-27 | state_regulator | 2026-10-09 |
| MA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| ME | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| NH | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: Embrace Home Loans (NMLS 2184), Salem, NH. Source: https://www.embracehomeloans.com/location/new-hampshire/salem/mackenzie-smerdon, 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/2168053

## Contact

- View profile at Embrace Home Loans: https://www.embracehomeloans.com/location/new-hampshire/salem/mackenzie-smerdon
- Office phone and Email on file: shown at https://lendb.ai/lo/mackenzie-smerdon-2168053#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2168053
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip
- lender_site: https://www.embracehomeloans.com/location/new-hampshire/salem/mackenzie-smerdon

Cite as: Mackenzie Smerdon (NMLS 2168053), Embrace Home Loans. LenDb.ai, https://lendb.ai/lo/mackenzie-smerdon-2168053, last verified 2026-10-09.

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