--- canonical_url: https://lendb.ai/lo/nicholas-pagnini-1911943 json_url: https://lendb.ai/lo/nicholas-pagnini-1911943.json nmls_id: 1911943 last_verified: 2026-10-28 --- # Nicholas Charles Pagnini Loan Originator at Barrett Financial Group, Chandler, AZ. NMLS ID 1911943 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1911943)). Nicholas Charles Pagnini (NMLS 1911943) is a Loan Originator at Barrett Financial Group in Chandler, Arizona, licensed in California since 2020 and in Florida, Texas, Illinois and 2 more states. Nicholas's own profile lists refinance as a focus. **Summary:** Nicholas Charles Pagnini (NMLS 1911943) is Loan Originator at Barrett Financial Group, based in Chandler, AZ. Licensed in 6 states confirmed with state regulators: Florida, Texas, California, Illinois, Massachusetts and Oregon. Also lists Nevada, Pennsylvania, Tennessee and Washington on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: Refinance. Barrett Financial Group also offers FHA loan, HELOC, Jumbo loan, Non-QM loan and Reverse mortgage and 2 more (a lender program, not confirmed as their own focus). Earliest state license record: February 14, 2020 (California), per state regulator. Last verified 2026-10-28. ## Quick answers ### Is Nicholas licensed in Florida? Yes. Florida regulator records list license LO89760 as active, first effective June 17, 2021 (verified 2026-10-15). LenDb has 9 other states on file for Nicholas. Source: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip. ### Does Nicholas list refinance as a focus? Nicholas's profile lists refinance as a focus (from their lender profile page). Source: https://www.barrettfinancial.com/nicholas-pagnini. ### What lender does Nicholas work for? Barrett Financial Group, company NMLS 181106, from the Chandler, AZ office, per the lender's own site (verified 2026-10-20). Source: https://www.barrettfinancial.com/nicholas-pagnini. ### How long has Nicholas been licensed? The earliest state license record LenDb holds for Nicholas is from February 14, 2020 (California regulator). That is a record date from the rosters we hold, not proof of continuous licensure. Source: https://dfpi.ca.gov/. ## At a glance - Earliest state license record: February 14, 2020 (California), 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), California (CA DFPI, confirmed), Illinois (IL, confirmed), Massachusetts (MA, confirmed), Nevada (NV, lender_reported), Oregon (OR, confirmed), Pennsylvania (PA, lender_reported), Tennessee (TN, lender_reported), Washington (WA, 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 (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) - **Refinance** (`refinance`): from their lender profile page, confidence 0.80, verified 2026-10-20. Source: https://www.barrettfinancial.com/nicholas-pagnini ### Their lender offers (lender level: Barrett Financial Group's programs, not confirmed as this person's focus) - **FHA loan** (`fha`): verified 2026-10-09. Source: https://www.barrettfinancial.com - **HELOC** (`heloc`): verified 2026-10-09. Source: https://www.barrettfinancial.com - **Jumbo loan** (`jumbo`): verified 2026-10-09. Source: https://www.barrettfinancial.com - **Non-QM loan** (`non-qm`): verified 2026-10-09. Source: https://www.barrettfinancial.com - **Reverse mortgage** (`reverse`): verified 2026-10-09. Source: https://www.barrettfinancial.com - **USDA loan** (`usda`): verified 2026-10-09. Source: https://www.barrettfinancial.com - **VA loan** (`va`): verified 2026-10-09. Source: https://www.barrettfinancial.com ## Facts from the lender page and intro - service_area: Plymouth, Boston, Cape Cod. Source: https://www.barrettfinancial.com/nicholas-pagnini, verified 2026-10-20. ## Licenses | State | Regulator | Type | Number | Status | Confidence | Issued | Source | Verified | |---|---|---|---|---|---|---|---|---| | FL | Florida regulator | state_license | LO89760 | active | confirmed | 2021-06-17 | state_regulator | 2026-10-15 | | TX | Texas regulator | state_license | n/a | active | confirmed | 2023-06-12 | state_regulator | 2026-10-13 | | CA | California Department of Financial Protection and Innovation | state_license | CA-DBO1911943 | active | confirmed | 2020-02-14 | state_regulator | 2026-10-24 | | IL | Illinois regulator | state_license | 31.0088006 | active | confirmed | 2024-12-12 | state_regulator | 2026-10-28 | | MA | Massachusetts regulator | state_license | MLO1911943 | active | confirmed | | state_regulator | 2026-10-26 | | NV | | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-20 | | OR | Oregon regulator | state_license | 2106801 | active | confirmed | 2025-11-06 | state_regulator | 2026-10-20 | | PA | | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-20 | | TN | | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-20 | | WA | | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-20 | ## Employment history - ? to present: Barrett Financial Group (NMLS 181106), Chandler, AZ. Source: https://www.barrettfinancial.com/nicholas-pagnini, verified 2026-10-20. ## Disciplinary history Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1911943 ## Contact - View profile at Barrett Financial Group: https://www.barrettfinancial.com/nicholas-pagnini - Office phone and Email on file: shown at https://lendb.ai/lo/nicholas-pagnini-1911943#contact after a quick human check (not available in this file, the API or MCP). ## Sources - nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1911943 - 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/ - state_regulator: https://idfpr.illinois.gov/banks/resfin.html - state_regulator: https://www.mass.gov/lists/download-a-list-of-approved-licensees - lender_site: https://www.barrettfinancial.com/nicholas-pagnini - state_regulator: https://dfr.oregon.gov/ - lender_site (lender programs): https://www.barrettfinancial.com Cite as: Nicholas Charles Pagnini (NMLS 1911943), Barrett Financial Group. LenDb.ai, https://lendb.ai/lo/nicholas-pagnini-1911943, last verified 2026-10-28. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._