---
canonical_url: https://lendb.ai/lo/polad-germchi-2702456
json_url: https://lendb.ai/lo/polad-germchi-2702456.json
nmls_id: 2702456
last_verified: 2026-10-09
---

# Polad Germchi

Mortgage Loan Officer at Loan Factory. NMLS ID 2702456 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2702456)).

**Summary:** Polad Germchi (NMLS 2702456) is Mortgage Loan Officer at Loan Factory. Lists Texas on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: Real estate investor. Speaks English and Persian (Farsi). Last verified 2026-10-09.

## At a glance

- Licensed since: unknown (no state regulator record on file). This is license history on file, not total experience.
- 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, Persian (Farsi)
- Profile: unclaimed
- Status: active

## Specialties

- **Real estate investor** (`investor`): lender page, confidence 0.70, verified 2026-10-09. Source: https://www.loanfactory.com/mortgage-expert/polad-germchi-2702456

## About

Polad Germchi has over a decade of experience in consumer finance and lending. They help homebuyers, homeowners, and real estate investors with personalized mortgage solutions tailored to individual financial circumstances.

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

## Facts from the lender page and intro

- years_experience: over a decade. Source: https://www.loanfactory.com/mortgage-expert/polad-germchi-2702456, 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). Source: https://www.loanfactory.com/mortgage-expert/polad-germchi-2702456, 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/2702456

## Contact

- View profile at Loan Factory: https://www.loanfactory.com/mortgage-expert/polad-germchi-2702456

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2702456
- lender_site: https://www.loanfactory.com/mortgage-expert/polad-germchi-2702456

Cite as: Polad Germchi (NMLS 2702456), Loan Factory. LenDb.ai, https://lendb.ai/lo/polad-germchi-2702456, last verified 2026-10-09.

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