---
canonical_url: https://lendb.ai/lo/paul-howarth-354915
json_url: https://lendb.ai/lo/paul-howarth-354915.json
nmls_id: 354915
last_verified: 2026-10-09
---

# Paul Howarth

Mortgage Loan Officer at Loan Factory. NMLS ID 354915 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/354915)).

**Summary:** Paul Howarth (NMLS 354915) is Mortgage Loan Officer at Loan Factory. Licensed in Florida, confirmed with the state regulator (license LO41208). Also lists California, Minnesota, Missouri and Texas on the lender page (not yet checked with the state regulator). Licensed since 2017 (per Florida records). Last verified 2026-10-09.

## At a glance

- Licensed since 2017 (per Florida records). This is license history on file, not total experience.
- Licensed in: Florida (FL, confirmed), California (CA, lender_reported), Minnesota (MN, lender_reported), Missouri (MO, lender_reported), 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: not listed
- Profile: unclaimed
- Status: active

## Specialties


## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO41208 | active | confirmed | 2017-03-15 | state_regulator | 2026-10-09 |
| CA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| MN | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| MO | 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 |

## Employment history

- ? to present: Loan Factory (NMLS 320841). Source: https://www.loanfactory.com/mortgage-expert/paul-howarth-354915, 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/354915

## Contact

- View profile at Loan Factory: https://www.loanfactory.com/mortgage-expert/paul-howarth-354915

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/354915
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip
- lender_site: https://www.loanfactory.com/mortgage-expert/paul-howarth-354915

Cite as: Paul Howarth (NMLS 354915), Loan Factory. LenDb.ai, https://lendb.ai/lo/paul-howarth-354915, last verified 2026-10-09.

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