---
canonical_url: https://lendb.ai/lo/miranda-lau-739609
json_url: https://lendb.ai/lo/miranda-lau-739609.json
nmls_id: 739609
last_verified: 2026-10-24
---

# Miranda Lau

Loan officer at Federal First Lending LLC. NMLS ID 739609 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/739609)).

Miranda Lau (NMLS 739609) is a mortgage loan officer at Federal First Lending LLC, licensed in Florida since 2020 and in Texas and California.

**Summary:** Miranda Lau (NMLS 739609) is a loan officer at Federal First Lending LLC. Licensed in 3 states confirmed with state regulators: Florida, Texas and California. Earliest state license record: November 4, 2020 (Florida), per state regulator. Last verified 2026-10-24.

## Quick answers

### Is Miranda licensed in Florida?

Yes. Florida regulator records list license LO76807 as active, first effective November 4, 2020 (verified 2026-10-15). LenDb has 2 other states on file for Miranda. Source: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip.

### What lender does Miranda work for?

Federal First Lending LLC, company NMLS 2381991, per the lender's own site (verified 2026-10-13). Source: https://www.sml.texas.gov/.

### How long has Miranda been licensed?

The earliest state license record LenDb holds for Miranda is from November 4, 2020 (Florida regulator). That is a record date from the rosters we hold, not proof of continuous licensure. Source: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip.

## At a glance

- Earliest state license record: November 4, 2020 (Florida), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Also licensed as (state regulator records, same NMLS ID): Miranda M. Lau (CA, FL, TX, as of 2026-10-22)
- Licensed in: Florida (FL, confirmed), Texas (TX, confirmed), California (CA DFPI, 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)

- None on file yet.

## Licenses

| State | Regulator | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|---|
| FL | Florida regulator | state_license | LO76807 | active | confirmed | 2020-11-04 | state_regulator | 2026-10-15 |
| TX | Texas regulator | state_license | n/a | active | confirmed | 2023-11-27 | state_regulator | 2026-10-13 |
| CA | California Department of Financial Protection and Innovation | state_license | CA-DFPI739609 | active | confirmed | 2020-11-06 | state_regulator | 2026-10-24 |

## Employment history

- ? to present: Federal First Lending LLC (NMLS 2381991). Source: https://www.sml.texas.gov/, verified 2026-10-13.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/739609

## Contact


## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/739609
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip
- state_regulator: https://www.sml.texas.gov/
- state_regulator: https://dfpi.ca.gov/

Cite as: Miranda Lau (NMLS 739609), Federal First Lending LLC. LenDb.ai, https://lendb.ai/lo/miranda-lau-739609, last verified 2026-10-24.

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