---
canonical_url: https://lendb.ai/lo/sartaj-singh-bhatia-2606002
json_url: https://lendb.ai/lo/sartaj-singh-bhatia-2606002.json
nmls_id: 2606002
last_verified: 2026-10-09
---

# Sartaj Singh Bhatia

Mortgage Loan Officer at Loan Factory. NMLS ID 2606002 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2606002)).

**Summary:** Sartaj Singh Bhatia (NMLS 2606002) is Mortgage Loan Officer at Loan Factory. Lists California on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: DSCR loan and HELOC. Speaks English and Punjabi. Last verified 2026-10-09.

## At a glance

- Earliest state license record: none on file. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Licensed in: California (CA, 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, Punjabi
- Profile: unclaimed
- Status: active

## Specialties

- **DSCR loan** (`dscr`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.loanfactory.com/mortgage-expert/sartaj-singh-bhatia-2606002
- **HELOC** (`heloc`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.loanfactory.com/mortgage-expert/sartaj-singh-bhatia-2606002

## About

Sartaj Bhatia is a mortgage broker and loan officer in California with a Bachelor's in Business Administration (Finance, Corporate Management, IT) and MBA in Finance. He serves clients across residential home loans, DSCR investment property financing, SBA and commercial loans, and HELOCs.

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

## Facts from the lender page and intro

- credential: MBA in Finance. Source: https://www.loanfactory.com/mortgage-expert/sartaj-singh-bhatia-2606002, verified 2026-10-09.
- role: Mortgage Broker. Source: https://www.loanfactory.com/mortgage-expert/sartaj-singh-bhatia-2606002, verified 2026-10-09.
- service_area: California. Source: https://www.loanfactory.com/mortgage-expert/sartaj-singh-bhatia-2606002, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| CA | 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/sartaj-singh-bhatia-2606002, 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/2606002

## Contact

- View profile at Loan Factory: https://www.loanfactory.com/mortgage-expert/sartaj-singh-bhatia-2606002

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2606002
- lender_site: https://www.loanfactory.com/mortgage-expert/sartaj-singh-bhatia-2606002

Cite as: Sartaj Singh Bhatia (NMLS 2606002), Loan Factory. LenDb.ai, https://lendb.ai/lo/sartaj-singh-bhatia-2606002, last verified 2026-10-09.

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