---
canonical_url: https://lendb.ai/lo/naineka-howard-1856494
json_url: https://lendb.ai/lo/naineka-howard-1856494.json
nmls_id: 1856494
last_verified: 2026-10-28
---

# Naineka Howard

Loan Officer at The Mortgage Maniac LLC. NMLS ID 1856494 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1856494)).

Naineka Howard (NMLS 1856494) is a Loan Officer at The Mortgage Maniac LLC, licensed in Texas since 2020 and in Florida and Illinois.

**Summary:** Naineka Howard (NMLS 1856494) is Loan Officer at The Mortgage Maniac LLC. Licensed in 3 states confirmed with state regulators: Florida, Texas and Illinois. Earliest state license record: February 11, 2020 (Texas), per state regulator. Last verified 2026-10-28.

## Quick answers

### Is Naineka licensed in Florida?

Yes. Florida regulator records list license LO90419 as active, first effective June 29, 2021 (verified 2026-10-15). LenDb has 2 other states on file for Naineka. Source: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip.

### What lender does Naineka work for?

The Mortgage Maniac LLC, company NMLS 2028516, per the lender's own site (verified 2026-10-15). Source: https://mortgage-inc.com/staff/naineka-howard/.

### How long has Naineka been licensed?

The earliest state license record LenDb holds for Naineka is from February 11, 2020 (Texas regulator). That is a record date from the rosters we hold, not proof of continuous licensure. Source: https://www.sml.texas.gov/.

## At a glance

- Earliest state license record: February 11, 2020 (Texas), 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), Texas (TX, confirmed), Illinois (IL, 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.

## About

Naineka Howard is a Loan Officer who serves clients in Texas and Florida. Before lending, they worked in energy conservation for a federally funded nonprofit and managed multi-million-dollar budgets.

Source: LenDb summary of the lender page, verified 2026-10-15.

## Facts from the lender page and intro

- service_area: Texas and Florida. Source: https://mortgage-inc.com/staff/naineka-howard/, verified 2026-10-15.
- other: prior career in energy conservation at a federally funded nonprofit. Source: https://mortgage-inc.com/staff/naineka-howard/, verified 2026-10-15.

## Licenses

| State | Regulator | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|---|
| FL | Florida regulator | state_license | LO90419 | active | confirmed | 2021-06-29 | state_regulator | 2026-10-15 |
| TX | Texas regulator | state_license | n/a | active | confirmed | 2020-02-11 | state_regulator | 2026-10-13 |
| IL | Illinois regulator | state_license | 31.0085298 | active | confirmed | 2024-05-21 | state_regulator | 2026-10-28 |

## Employment history

- ? to present: The Mortgage Maniac LLC (NMLS 2028516). Source: https://mortgage-inc.com/staff/naineka-howard/, 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/1856494

## Contact

- linkedin_url: http://www.linkedin.com/in/naineka-howard-41829438 (source: lender_site, verified 2026-10-15)
- View profile at The Mortgage Maniac LLC: https://mortgage-inc.com/staff/naineka-howard/
- Office phone and Email on file: shown at https://lendb.ai/lo/naineka-howard-1856494#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1856494
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip
- state_regulator: https://www.sml.texas.gov/
- state_regulator: https://idfpr.illinois.gov/banks/resfin.html
- state_regulator: https://mortgage-inc.com/staff/naineka-howard/

Cite as: Naineka Howard (NMLS 1856494), The Mortgage Maniac LLC. LenDb.ai, https://lendb.ai/lo/naineka-howard-1856494, last verified 2026-10-28.

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