--- canonical_url: https://lendb.ai/lo/marcos-fermin-2128426 json_url: https://lendb.ai/lo/marcos-fermin-2128426.json nmls_id: 2128426 last_verified: 2026-10-31 --- # Marcos Fermin Executive Loan Officer at INDEPENDENCE HOME LOANS LLC. NMLS ID 2128426 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2128426)). Marcos Fermin (NMLS 2128426) is an Executive Loan Officer at INDEPENDENCE HOME LOANS LLC, licensed in Colorado since 2022 and in Florida, Oregon, Wisconsin and 3 more states. Marcos's own profile lists VA loan as a focus. **Summary:** Marcos Fermin (NMLS 2128426) is Executive Loan Officer at INDEPENDENCE HOME LOANS LLC. Licensed in 7 states confirmed with state regulators: Florida, Colorado, Oregon, Wisconsin, California, Maryland and Nevada. Focus areas shown on the lender page: VA loan. Earliest state license record: March 28, 2022 (Colorado), per state regulator. States 5 years of experience. Last verified 2026-10-31. ## Quick answers ### Is Marcos licensed in Florida? Yes. Florida regulator records list license LO135966 as active, first effective March 5, 2025 (verified 2026-10-15). LenDb has 6 other states on file for Marcos. Source: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip. ### Does Marcos do VA loans? Marcos's profile lists VA loan as a focus (from their lender profile page). Source: https://independencehl.com/marcos-fermin/. ### What lender does Marcos work for? INDEPENDENCE HOME LOANS LLC, company NMLS 2524174, per the lender's own site (verified 2026-10-15). Source: https://independencehl.com/marcos-fermin/. ### How long has Marcos been licensed? The earliest state license record LenDb holds for Marcos is from March 28, 2022 (Colorado regulator). That is a record date from the rosters we hold, not proof of continuous licensure. Marcos states 5 years of experience. Source: https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=296835&contact=523069. ## At a glance - Earliest state license record: March 28, 2022 (Colorado), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience. - Years experience (stated by the LO): 5 (source: https://independencehl.com/marcos-fermin/, verified 2026-10-15) - Also licensed as (state regulator records, same NMLS ID): Marcos V. Fermin (CA, CO, FL, MD, NV, NY, OR, as of 2026-10-28) - Licensed in: Florida (FL, confirmed), Colorado (CO, confirmed), Oregon (OR, confirmed), Wisconsin (WI, confirmed), California (CA DFPI, confirmed), Maryland (MD, confirmed), Nevada (NV, confirmed) - 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 (Languages come only from the loan officer's own lender page, and most lender pages do not list languages. A language that is not listed means not stated, not that the loan officer does not speak it.) - Profile: unclaimed - Status: active ## Specialties ### Focus (officer level: their own bio, title, certification, specialty list or claim) - **VA loan** (`va`): from their lender profile page, confidence 0.90, verified 2026-10-26. Source: https://independencehl.com/marcos-fermin/ ## Facts from the lender page and intro - years_experience: over 15. Source: https://independencehl.com/marcos-fermin/, verified 2026-10-15. - years_experience: 5. Source: https://independencehl.com/marcos-fermin/, verified 2026-10-15. - education: Bachelor's degree in Finance, Florida International University. Source: https://independencehl.com/marcos-fermin/, verified 2026-10-15. ## Licenses | State | Regulator | Type | Number | Status | Confidence | Issued | Source | Verified | |---|---|---|---|---|---|---|---|---| | FL | Florida regulator | state_license | LO135966 | active | confirmed | 2025-03-05 | state_regulator | 2026-10-15 | | CO | Colorado regulator | state_license | 100531699 | active | confirmed | 2022-03-28 | state_regulator | 2026-10-16 | | NY | New York regulator | state_license | n/a | expired | confirmed | | state_regulator | 2026-10-14 | | OR | Oregon regulator | state_license | n/a | active | confirmed | 2025-02-26 | state_regulator | 2026-10-20 | | WI | Wisconsin regulator | state_license | 2128426 | active | confirmed | 2025-12-08 | state_regulator | 2026-10-21 | | CA | California Department of Financial Protection and Innovation | state_license | CA-DFPI2128426 | active | confirmed | 2025-11-03 | state_regulator | 2026-10-24 | | MD | Maryland regulator | state_license | n/a | active | confirmed | | state_regulator | 2026-10-26 | | NV | Nevada regulator | state_license | NMLO-138829 | active | confirmed | 2025-11-11 | state_regulator | 2026-10-31 | ## Employment history - ? to present: INDEPENDENCE HOME LOANS LLC (NMLS 2524174). Source: https://independencehl.com/marcos-fermin/, verified 2026-10-15. ## Disciplinary history Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2128426 ## Contact - View profile at INDEPENDENCE HOME LOANS LLC: https://independencehl.com/marcos-fermin/ - Office phone and Email on file: shown at https://lendb.ai/lo/marcos-fermin-2128426#contact after a quick human check (not available in this file, the API or MCP). ## Sources - nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2128426 - state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip - state_regulator: https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=296835&contact=523069 - state_regulator: https://www.dfs.ny.gov/ - state_regulator: https://dfr.oregon.gov/ - state_regulator: https://dfi.wi.gov/Pages/BusinessServices/MortgageBanking/ - state_regulator: https://dfpi.ca.gov/ - state_regulator: https://www.labor.maryland.gov/finance/ - state_regulator: https://mld.nv.gov/ - lender_site: https://independencehl.com/marcos-fermin/ Cite as: Marcos Fermin (NMLS 2128426), INDEPENDENCE HOME LOANS LLC. LenDb.ai, https://lendb.ai/lo/marcos-fermin-2128426, last verified 2026-10-31. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._