---
canonical_url: https://lendb.ai/lo/payal-chhelavda-2007507
json_url: https://lendb.ai/lo/payal-chhelavda-2007507.json
nmls_id: 2007507
last_verified: 2026-10-09
---

# Payal Chhelavda

Mortgage Loan Officer at Loan Factory. NMLS ID 2007507 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2007507)).

**Summary:** Payal Chhelavda (NMLS 2007507) is Mortgage Loan Officer at Loan Factory. Licensed in Florida, confirmed with the state regulator (license LO136364). Also lists California, Georgia, North Carolina and Texas on the lender page (not yet checked with the state regulator). Licensed since 2025 (per Florida records). Last verified 2026-10-09.

## At a glance

- Licensed since 2025 (per Florida records). This is license history on file, not total experience.
- Licensed in: Florida (FL, confirmed), California (CA, lender_reported), Georgia (GA, lender_reported), North Carolina (NC, 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 | LO136364 | active | confirmed | 2025-03-20 | state_regulator | 2026-10-09 |
| CA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| GA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| NC | 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/payal-chhelavda-2007507, 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/2007507

## Contact

- linkedin_url: https://www.linkedin.com/in/payal-chhelavda-0b073024/ (source: lender_site, verified 2026-10-09)
- View profile at Loan Factory: https://www.loanfactory.com/mortgage-expert/payal-chhelavda-2007507

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2007507
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip
- lender_site: https://www.loanfactory.com/mortgage-expert/payal-chhelavda-2007507

Cite as: Payal Chhelavda (NMLS 2007507), Loan Factory. LenDb.ai, https://lendb.ai/lo/payal-chhelavda-2007507, last verified 2026-10-09.

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