---
canonical_url: https://lendb.ai/lo/ryan-zacrep-1828187
json_url: https://lendb.ai/lo/ryan-zacrep-1828187.json
nmls_id: 1828187
last_verified: 2026-10-09
---

# Ryan Zacrep

Loan Officer at First Heritage Mortgage. NMLS ID 1828187 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1828187)).

**Summary:** Ryan Zacrep (NMLS 1828187) is Loan Officer at First Heritage Mortgage. Lists Georgia, North Carolina, South Carolina and Virginia on the lender page (not yet checked with the state regulator). Earliest state license record: April 1, 2019 (Florida), per state regulator. Last verified 2026-10-09.

## At a glance

- Earliest state license record: April 1, 2019 (Florida), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Licensed in: Georgia (GA, lender_reported), North Carolina (NC, lender_reported), South Carolina (SC, 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: not listed
- Profile: unclaimed
- Status: active

## Specialties


## About

Ryan has years of experience as a loan officer helping borrowers through the home buying process in Georgia, North Carolina, South Carolina, and Virginia.

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

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO60265 | expired | confirmed | 2019-04-01 | state_regulator | 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 |
| SC | 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: First Heritage Mortgage (NMLS 86548). Source: https://fhmtg.com/officers/ryan-zacrep/, 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/1828187

## Contact

- linkedin_url: https://www.linkedin.com/in/ryanzacrep/ (source: lender_site, verified 2026-10-09)
- View profile at First Heritage Mortgage: https://fhmtg.com/officers/ryan-zacrep/
- Office phone on file: shown at https://lendb.ai/lo/ryan-zacrep-1828187#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1828187
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip
- lender_site: https://fhmtg.com/officers/ryan-zacrep/

Cite as: Ryan Zacrep (NMLS 1828187), First Heritage Mortgage. LenDb.ai, https://lendb.ai/lo/ryan-zacrep-1828187, last verified 2026-10-09.

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