---
canonical_url: https://lendb.ai/lo/margaret-kosiba-2807509
json_url: https://lendb.ai/lo/margaret-kosiba-2807509.json
nmls_id: 2807509
last_verified: 2026-10-09
---

# Margaret M Kosiba

Mortgage Loan Officer at Loan Factory. NMLS ID 2807509 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2807509)).

**Summary:** Margaret M Kosiba (NMLS 2807509) is Mortgage Loan Officer at Loan Factory. Lists Arizona, California and Minnesota on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: Real estate investor. Last verified 2026-10-09.

## At a glance

- Earliest state license record: none on file. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Licensed in: Arizona (AZ, lender_reported), California (CA, lender_reported), Minnesota (MN, 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

- **Real estate investor** (`investor`): lender page, confidence 0.70, verified 2026-10-09. Source: https://www.loanfactory.com/mortgage-expert/margaret-kosiba-2807509

## About

Margaret is a former residential realtor with experience helping home buyers, retirees, and investors. She now focuses on finding the best loan solutions for clients in Arizona, California, and Minnesota, known for her dedication and research skills.

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

## Facts from the lender page and intro

- role: former residential realtor. Source: https://www.loanfactory.com/mortgage-expert/margaret-kosiba-2807509, verified 2026-10-09.
- service_area: Arizona, California, and Minnesota. Source: https://www.loanfactory.com/mortgage-expert/margaret-kosiba-2807509, verified 2026-10-09.

## Licenses

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

## Employment history

- ? to present: Loan Factory (NMLS 320841). Source: https://www.loanfactory.com/mortgage-expert/margaret-kosiba-2807509, 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/2807509

## Contact

- View profile at Loan Factory: https://www.loanfactory.com/mortgage-expert/margaret-kosiba-2807509

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2807509
- lender_site: https://www.loanfactory.com/mortgage-expert/margaret-kosiba-2807509

Cite as: Margaret M Kosiba (NMLS 2807509), Loan Factory. LenDb.ai, https://lendb.ai/lo/margaret-kosiba-2807509, last verified 2026-10-09.

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