--- canonical_url: https://lendb.ai/lo/melinda-zuppo-349615 json_url: https://lendb.ai/lo/melinda-zuppo-349615.json nmls_id: 349615 last_verified: 2026-10-09 --- # Melinda Zuppo SVP, Sr. Loan Officer at Atlantic Coast Mortgage, Fairfax, VA. NMLS ID 349615 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/349615)). **Summary:** Melinda Zuppo (NMLS 349615) is SVP, Sr. Loan Officer at Atlantic Coast Mortgage, based in Fairfax, VA. Licensed in 2 states confirmed with state regulators: Florida and Pennsylvania. Also lists Arizona, District of Columbia, Georgia, Maryland, North Carolina, South Carolina, Tennessee, Texas and 2 more on the lender page (not yet checked with the state regulator). Earliest state license record: September 30, 2020 (Florida), per state regulator. Last verified 2026-10-09. ## At a glance - Earliest state license record: September 30, 2020 (Florida), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience. - Licensed in: Florida (FL, confirmed), Pennsylvania (PA, confirmed), Arizona (AZ, lender_reported), District of Columbia (DC, lender_reported), Georgia (GA, lender_reported), Maryland (MD, lender_reported), North Carolina (NC, lender_reported), South Carolina (SC, lender_reported), Tennessee (TN, lender_reported), Texas (TX, lender_reported), Virginia (VA, lender_reported), West Virginia (WV, 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 25+ year mortgage veteran and top 1% originator specializing in complex loans including jumbo, renovation, and construction financing. Known for advisory approach and comprehensive understanding of mortgage processes. Source: LenDb summary of the lender page, verified 2026-10-09. ## Facts from the lender page and intro - years_experience: 25+. Source: https://www.atlanticcoastmortgage.com/lo/melinda-zuppo/, verified 2026-10-09. - role: receptionist, loan processor, operations manager, closer. Source: https://www.atlanticcoastmortgage.com/lo/melinda-zuppo/, verified 2026-10-09. - credential: Top 1% of mortgage originators nationwide (Mortgage Executive Magazine), Scotsman Guide Top Originators (2024-2025), Scotsman Guide Top Women Originators (2024-2026). Source: https://www.atlanticcoastmortgage.com/lo/melinda-zuppo/, verified 2026-10-09. - community: Alzheimer's advocacy advocate, participates in Walk to End Alzheimer's. Source: https://www.atlanticcoastmortgage.com/lo/melinda-zuppo/, verified 2026-10-09. ## Licenses | State | Type | Number | Status | Confidence | Issued | Source | Verified | |---|---|---|---|---|---|---|---| | FL | state_license | LO75108 | active | confirmed | 2020-09-30 | state_regulator | 2026-10-09 | | PA | state_license | 77349 | active | confirmed | | state_regulator | 2026-10-10 | | AZ | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | DC | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | GA | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | MD | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | NC | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | SC | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | TN | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | TX | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | VA | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | WV | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | ## Employment history - ? to present: Atlantic Coast Mortgage (NMLS 643114), Fairfax, VA. Source: https://www.atlanticcoastmortgage.com/lo/melinda-zuppo/, 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/349615 ## Contact - linkedin_url: https://www.linkedin.com/in/melindazuppo/ (source: lender_site, verified 2026-10-09) - View profile at Atlantic Coast Mortgage: https://www.atlanticcoastmortgage.com/lo/melinda-zuppo/ ## Sources - nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/349615 - state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip - state_regulator: https://data.pa.gov/d/tyxc-jyug - lender_site: https://www.atlanticcoastmortgage.com/lo/melinda-zuppo/ Cite as: Melinda Zuppo (NMLS 349615), Atlantic Coast Mortgage. LenDb.ai, https://lendb.ai/lo/melinda-zuppo-349615, last verified 2026-10-09. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._