---
canonical_url: https://lendb.ai/lo/patty-porto-275265
json_url: https://lendb.ai/lo/patty-porto-275265.json
nmls_id: 275265
last_verified: 2026-10-09
---

# Patty Porto

Mortgage Loan Officer at Loan Factory, Houston, TX. NMLS ID 275265 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/275265)).

**Summary:** Patty Porto (NMLS 275265) is Mortgage Loan Officer at Loan Factory, based in Houston, TX. Lists Texas on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: Renovation loan (203k / HomeStyle). Speaks English and Spanish. States 20 years of experience. 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.
- Years experience (stated by the LO): 20 (source: https://www.loanfactory.com/mortgage-expert/patty-porto-275265, verified 2026-10-09)
- Licensed in: Texas (TX, 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: English, Spanish
- Profile: unclaimed
- Status: active

## Specialties

- **Renovation loan (203k / HomeStyle)** (`renovation`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.loanfactory.com/mortgage-expert/patty-porto-275265

## About

20+ years of experience closing thousands of loans. Specializes in FHA, HELOC, DSCR, and new-construction loans; portfolio refinancing expertise from real estate and construction background.

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

## Facts from the lender page and intro

- years_experience: 20. Source: https://www.loanfactory.com/mortgage-expert/patty-porto-275265, verified 2026-10-09.
- service_area: Houston, Texas. Source: https://www.loanfactory.com/mortgage-expert/patty-porto-275265, verified 2026-10-09.
- role: Real estate and construction management professional. Source: https://www.loanfactory.com/mortgage-expert/patty-porto-275265, verified 2026-10-09.

## Licenses

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

## Employment history

- ? to present: Loan Factory (NMLS 320841), Houston, TX. Source: https://www.loanfactory.com/mortgage-expert/patty-porto-275265, 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/275265

## Contact

- View profile at Loan Factory: https://www.loanfactory.com/mortgage-expert/patty-porto-275265

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/275265
- lender_site: https://www.loanfactory.com/mortgage-expert/patty-porto-275265

Cite as: Patty Porto (NMLS 275265), Loan Factory. LenDb.ai, https://lendb.ai/lo/patty-porto-275265, last verified 2026-10-09.

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