---
canonical_url: https://lendb.ai/lo/pepper-kinzer-1590253
json_url: https://lendb.ai/lo/pepper-kinzer-1590253.json
nmls_id: 1590253
last_verified: 2026-10-09
---

# Pepper Kinzer

Team Leader at Union Home Mortgage, The Villages, FL. NMLS ID 1590253 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1590253)).

**Summary:** Pepper Kinzer (NMLS 1590253) is Team Leader at Union Home Mortgage, based in The Villages, FL. Licensed in Florida, confirmed with the state regulator (license LO84739). Licensed since 2021 (per Florida records). Last verified 2026-10-09.

## At a glance

- Licensed since 2021 (per Florida records). This is license history on file, not total experience.
- Licensed in: Florida (FL, 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
- Profile: unclaimed
- Status: active

## Specialties


## About

Pepper has more than a decade of mortgage lending experience and is a 30-year resident of the Ocala area. She serves clients with conventional, FHA, VA, construction-permanent, and jumbo loans.

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

## Facts from the lender page and intro

- years_experience: more than a decade. Source: https://www.uhm.com/loan-officers/pepper-kinzer/, verified 2026-10-09.
- service_area: Ocala, Florida area. Source: https://www.uhm.com/loan-officers/pepper-kinzer/, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO84739 | active | confirmed | 2021-03-29 | state_regulator | 2026-10-09 |

## Employment history

- ? to present: Union Home Mortgage (NMLS 2229), The Villages, FL. Source: https://www.uhm.com/loan-officers/pepper-kinzer/, 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/1590253

## Contact

- View profile at Union Home Mortgage: https://www.uhm.com/loan-officers/pepper-kinzer/
- Office phone and Email on file: shown at https://lendb.ai/lo/pepper-kinzer-1590253#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1590253
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip
- lender_site: https://www.uhm.com/loan-officers/pepper-kinzer/

Cite as: Pepper Kinzer (NMLS 1590253), Union Home Mortgage. LenDb.ai, https://lendb.ai/lo/pepper-kinzer-1590253, last verified 2026-10-09.

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