---
canonical_url: https://lendb.ai/lo/rosette-xu-1838793
json_url: https://lendb.ai/lo/rosette-xu-1838793.json
nmls_id: 1838793
last_verified: 2026-10-09
---

# Rosette Xu

Mortgage Loan Officer at Loan Factory. NMLS ID 1838793 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1838793)).

**Summary:** Rosette Xu (NMLS 1838793) is Mortgage Loan Officer at Loan Factory. Lists California, Colorado, Massachusetts, Maryland, Michigan, North Carolina, New Jersey, Pennsylvania and 1 more on the lender page (not yet checked with the state regulator). Speaks English and Chinese. Licensed since 2023 (per Florida records). Last verified 2026-10-09.

## At a glance

- Licensed since 2023 (per Florida records). This is license history on file, not total experience.
- Licensed in: California (CA, lender_reported), Colorado (CO, lender_reported), Massachusetts (MA, lender_reported), Maryland (MD, lender_reported), Michigan (MI, lender_reported), North Carolina (NC, lender_reported), New Jersey (NJ, lender_reported), Pennsylvania (PA, lender_reported), Virginia (VA, 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, Chinese
- Profile: unclaimed
- Status: active

## Specialties


## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO121795 | expired | confirmed | 2023-07-26 | state_regulator | 2026-10-09 |
| CA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| CO | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| MA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| MD | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| MI | 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 |
| NJ | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| PA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| VA | 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/rosette-xu-1838793, 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/1838793

## Contact

- View profile at Loan Factory: https://www.loanfactory.com/mortgage-expert/rosette-xu-1838793

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1838793
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip
- lender_site: https://www.loanfactory.com/mortgage-expert/rosette-xu-1838793

Cite as: Rosette Xu (NMLS 1838793), Loan Factory. LenDb.ai, https://lendb.ai/lo/rosette-xu-1838793, last verified 2026-10-09.

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