---
canonical_url: https://lendb.ai/lo/sam-mirza-2108186
json_url: https://lendb.ai/lo/sam-mirza-2108186.json
nmls_id: 2108186
last_verified: 2026-10-09
---

# Sam Mirza

Mortgage Loan Officer at Loan Factory, TX. NMLS ID 2108186 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2108186)).

**Summary:** Sam Mirza (NMLS 2108186) is Mortgage Loan Officer at Loan Factory, based in Texas. Lists Texas on the lender page (not yet checked with the state regulator). States 20 years of experience. 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.
- Years experience (stated by the LO): 20 (source: https://www.loanfactory.com/mortgage-expert/sam-mirza-2108186, verified 2026-10-09)
- 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: not listed
- Profile: unclaimed
- Status: active

## Specialties


## About

Sam Mirza is a Texas-based real estate innovator and mortgage strategist with 20+ years of experience and an MBA in Finance. He founded NXT Real Estate Labs and related ventures, specializing in residential real estate, commercial deals, and mortgage programs with emphasis on competitive rates and transparent pricing.

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/sam-mirza-2108186, verified 2026-10-09.
- education: MBA in Finance. Source: https://www.loanfactory.com/mortgage-expert/sam-mirza-2108186, verified 2026-10-09.
- role: Founder of NXT Real Estate Labs, NXTSQFT.com, NXTADJUSTERS.com, NXTSOLARENERGY.com. Source: https://www.loanfactory.com/mortgage-expert/sam-mirza-2108186, 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), TX. Source: https://www.loanfactory.com/mortgage-expert/sam-mirza-2108186, 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/2108186

## Contact

- linkedin_url: https://www.linkedin.com/in/sam-mirza-95570948/ (source: lender_site, verified 2026-10-09)
- View profile at Loan Factory: https://www.loanfactory.com/mortgage-expert/sam-mirza-2108186

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2108186
- lender_site: https://www.loanfactory.com/mortgage-expert/sam-mirza-2108186

Cite as: Sam Mirza (NMLS 2108186), Loan Factory. LenDb.ai, https://lendb.ai/lo/sam-mirza-2108186, last verified 2026-10-09.

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