--- canonical_url: https://lendb.ai/lo/scott-schmaltz-2108690 json_url: https://lendb.ai/lo/scott-schmaltz-2108690.json nmls_id: 2108690 last_verified: 2026-10-26 --- # Scott Schmaltz Senior Loan Officer at Lit Financial Corporation. NMLS ID 2108690 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2108690)). Scott Schmaltz (NMLS 2108690) is a Senior Loan Officer at Lit Financial Corporation, licensed in Florida since 2025 and in Texas and Massachusetts. Scott's own profile lists condo, jumbo loan and HELOC as a focus. **Summary:** Scott Schmaltz (NMLS 2108690) is Senior Loan Officer at Lit Financial Corporation. Licensed in 3 states confirmed with state regulators: Florida, Texas and Massachusetts. Focus areas shown on the lender page: Condo, Jumbo loan, HELOC, VA loan and Refinance. Lit Financial Corporation also offers Bank statement loan, DSCR loan, First-time buyer, Real estate investor and Reverse mortgage and 1 more (a lender program, not confirmed as their own focus). Earliest state license record: January 9, 2025 (Florida), per state regulator. Last verified 2026-10-26. ## Quick answers ### Is Scott licensed in Florida? Yes. Florida regulator records list license LO134473 as active, first effective January 9, 2025 (verified 2026-10-15). LenDb has 2 other states on file for Scott. Source: https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip. ### Does Scott work on condo loans? Scott's profile lists condo as a focus (from their lender profile page). It also lists jumbo loan, HELOC and VA loan. Source: https://litfinancial.com/loan-experts/scott-schmaltz. ### What lender does Scott work for? Lit Financial Corporation, company NMLS 2553292, per the lender's own site (verified 2026-10-26). Source: https://litfinancial.com/loan-experts/scott-schmaltz. ### How long has Scott been licensed? The earliest state license record LenDb holds for Scott is from January 9, 2025 (Florida regulator). That is a record date from the rosters we hold, not proof of continuous licensure. Source: https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip. ## At a glance - Earliest state license record: January 9, 2025 (Florida), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience. - Also licensed as (state regulator records, same NMLS ID): Scott K. Schmaltz (FL, MA, NY, TX, as of 2026-10-26) - Licensed in: Florida (FL, confirmed), Texas (TX, confirmed), Massachusetts (MA, confirmed) - 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 (Languages come only from the loan officer's own lender page, and most lender pages do not list languages. A language that is not listed means not stated, not that the loan officer does not speak it.) - Profile: unclaimed - Status: active ## Specialties ### Focus (officer level: their own bio, title, certification, specialty list or claim) - **Condo** (`condo`): from their lender profile page, confidence 0.70, verified 2026-10-26. Source: https://litfinancial.com/loan-experts/scott-schmaltz - **Jumbo loan** (`jumbo`): from their lender profile page, confidence 0.70, verified 2026-10-26. Source: https://litfinancial.com/loan-experts/scott-schmaltz - **HELOC** (`heloc`): from their lender profile page, confidence 0.21, verified 2026-10-26. Source: https://litfinancial.com/loan-experts/scott-schmaltz - **VA loan** (`va`): from their lender profile page, confidence 0.14, verified 2026-10-26. Source: https://litfinancial.com/loan-experts/scott-schmaltz - **Refinance** (`refinance`): from their lender profile page, confidence 0.11, verified 2026-10-26. Source: https://litfinancial.com/loan-experts/scott-schmaltz - **FHA loan** (`fha`): from their lender profile page, confidence 0.10, verified 2026-10-26. Source: https://litfinancial.com/loan-experts/scott-schmaltz ### Their lender offers (lender level: Lit Financial Corporation's programs, not confirmed as this person's focus) - **Bank statement loan** (`bank-statement`): verified 2026-10-09. Source: https://litfinancial.com - **DSCR loan** (`dscr`): verified 2026-10-09. Source: https://litfinancial.com - **First-time buyer** (`first-time-buyer`): verified 2026-10-09. Source: https://litfinancial.com - **Real estate investor** (`investor`): verified 2026-10-09. Source: https://litfinancial.com - **Reverse mortgage** (`reverse`): verified 2026-10-09. Source: https://litfinancial.com - **Self-employed** (`self-employed`): verified 2026-10-09. Source: https://litfinancial.com ## Licenses | State | Regulator | Type | Number | Status | Confidence | Issued | Source | Verified | |---|---|---|---|---|---|---|---|---| | FL | Florida regulator | state_license | LO134473 | active | confirmed | 2025-01-09 | state_regulator | 2026-10-15 | | TX | Texas regulator | state_license | n/a | active | confirmed | 2026-06-08 | state_regulator | 2026-10-13 | | NY | New York regulator | state_license | n/a | expired | confirmed | | state_regulator | 2026-10-14 | | MA | Massachusetts regulator | state_license | MLO2108690 | active | confirmed | | state_regulator | 2026-10-26 | ## Employment history - ? to present: Lit Financial Corporation (NMLS 2553292). Source: https://litfinancial.com/loan-experts/scott-schmaltz, verified 2026-10-26. ## Disciplinary history Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2108690 ## Contact - View profile at Lit Financial Corporation: https://litfinancial.com/loan-experts/scott-schmaltz - Office phone on file: shown at https://lendb.ai/lo/scott-schmaltz-2108690#contact after a quick human check (not available in this file, the API or MCP). ## Sources - nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2108690 - state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip - state_regulator: https://www.sml.texas.gov/ - state_regulator: https://www.dfs.ny.gov/ - state_regulator: https://www.mass.gov/lists/download-a-list-of-approved-licensees - state_regulator: https://litfinancial.com/loan-experts/scott-schmaltz - lender_site (lender programs): https://litfinancial.com Cite as: Scott Schmaltz (NMLS 2108690), Lit Financial Corporation. LenDb.ai, https://lendb.ai/lo/scott-schmaltz-2108690, last verified 2026-10-26. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._