---
canonical_url: https://lendb.ai/lo/sandra-kokoska-563834
json_url: https://lendb.ai/lo/sandra-kokoska-563834.json
nmls_id: 563834
last_verified: 2026-10-09
---

# Sandy Kokoska

Loan Officer at Union Home Mortgage, Morgantown, WV. NMLS ID 563834 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/563834)).

**Summary:** Sandy Kokoska (NMLS 563834) is Loan Officer at Union Home Mortgage, based in Morgantown, WV. Licensed in 2 states confirmed with state regulators: Florida and Pennsylvania. Also lists Maryland, North Carolina, Ohio and West Virginia on the lender page (not yet checked with the state regulator). Earliest state license record: April 21, 2026 (Florida), per state regulator. Last verified 2026-10-09.

## At a glance

- Earliest state license record: April 21, 2026 (Florida), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Licensed in: Florida (FL, confirmed), Maryland (MD, lender_reported), North Carolina (NC, lender_reported), Ohio (OH, lender_reported), Pennsylvania (PA, confirmed), West Virginia (WV, 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


## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO147040 | active | confirmed | 2026-04-21 | state_regulator | 2026-10-09 |
| MD | state_license | 563834 | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| NC | state_license | I-235324 | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| OH | state_license | MLO-OH.563834 | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| PA | state_license | 120622 | active | confirmed |  | state_regulator | 2026-10-10 |
| WV | state_license | LO-563834 | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: Union Home Mortgage (NMLS 2229), Morgantown, WV. Source: https://www.uhm.com/loan-officers/sandy-kokoska/, 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/563834

## Contact

- View profile at Union Home Mortgage: https://www.uhm.com/loan-officers/sandy-kokoska/
- Office phone and Email on file: shown at https://lendb.ai/lo/sandra-kokoska-563834#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/563834
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip
- lender_site: https://www.uhm.com/loan-officers/sandy-kokoska/
- state_regulator: https://data.pa.gov/d/tyxc-jyug

Cite as: Sandy Kokoska (NMLS 563834), Union Home Mortgage. LenDb.ai, https://lendb.ai/lo/sandra-kokoska-563834, last verified 2026-10-09.

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