---
canonical_url: https://lendb.ai/lo/philip-simonetta-2731289
json_url: https://lendb.ai/lo/philip-simonetta-2731289.json
nmls_id: 2731289
last_verified: 2026-10-09
---

# Philip Simonetta

Mortgage Loan Officer at Loan Factory, FL. NMLS ID 2731289 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2731289)).

**Summary:** Philip Simonetta (NMLS 2731289) is Mortgage Loan Officer at Loan Factory, based in Florida. Licensed in Florida, confirmed with the state regulator (license LO139654). Licensed since 2025 (per Florida records). States 20 years of experience. Last verified 2026-10-09.

## At a glance

- Licensed since 2025 (per Florida records). This is license history on file, not total experience.
- Years experience (stated by the LO): 20 (source: https://www.loanfactory.com/mortgage-expert/philip-simonetta-2731289, verified 2026-10-09)
- 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

Philip Simonetta brings over 20 years of experience in real estate, lending, business consulting, and hospitality. He opened Pier 21 Realty and a Florida real estate school, and founded REPO Club, a professional organization for real estate professionals.

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/philip-simonetta-2731289, verified 2026-10-09.
- role: founder of Pier 21 Realty and licensed Florida real estate school. Source: https://www.loanfactory.com/mortgage-expert/philip-simonetta-2731289, verified 2026-10-09.
- community: Founded REPO Club — The Real Estate Professional Organization, a private membership created to elevate standards and accountability in the industry. Source: https://www.loanfactory.com/mortgage-expert/philip-simonetta-2731289, verified 2026-10-09.
- other: Operates a Real Estate Apprenticeship & Mentorship Program helping agents with real-world training and support. Source: https://www.loanfactory.com/mortgage-expert/philip-simonetta-2731289, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO139654 | active | confirmed | 2025-07-16 | state_regulator | 2026-10-09 |

## Employment history

- ? to present: Loan Factory (NMLS 320841), FL. Source: https://www.loanfactory.com/mortgage-expert/philip-simonetta-2731289, 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/2731289

## Contact

- linkedin_url: https://www.linkedin.com/in/philip-simonetta-4101ab62 (source: lender_site, verified 2026-10-09)
- View profile at Loan Factory: https://www.loanfactory.com/mortgage-expert/philip-simonetta-2731289

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2731289
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip
- lender_site: https://www.loanfactory.com/mortgage-expert/philip-simonetta-2731289

Cite as: Philip Simonetta (NMLS 2731289), Loan Factory. LenDb.ai, https://lendb.ai/lo/philip-simonetta-2731289, last verified 2026-10-09.

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