--- canonical_url: https://lendb.ai/lo/sheilla-lavadia-1399453 json_url: https://lendb.ai/lo/sheilla-lavadia-1399453.json nmls_id: 1399453 last_verified: 2026-10-09 --- # Sheilla Lavadia Mortgage Loan Officer at Loan Factory. NMLS ID 1399453 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1399453)). **Summary:** Sheilla Lavadia (NMLS 1399453) is Mortgage Loan Officer at Loan Factory. Licensed in Florida, confirmed with the state regulator (license LO121370). Also lists Arizona, California, Hawaii, Idaho, Kansas, New Mexico, Oregon, Texas and 1 more on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: 1099 income, First-time buyer, Real estate investor and Self-employed. Speaks English and Tagalog. Licensed since 2023 (per Florida records). States 22 years of experience. Last verified 2026-10-09. ## At a glance - Licensed since 2023 (per Florida records). This is license history on file, not total experience. - Years experience (stated by the LO): 22 (source: https://www.loanfactory.com/mortgage-expert/sheilla-lavadia-1399453, verified 2026-10-09) - Licensed in: Florida (FL, confirmed), Arizona (AZ, lender_reported), California (CA, lender_reported), Hawaii (HI, lender_reported), Idaho (ID, lender_reported), Kansas (KS, lender_reported), New Mexico (NM, lender_reported), Oregon (OR, lender_reported), Texas (TX, lender_reported), Washington (WA, 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, Tagalog - Profile: unclaimed - Status: active ## Specialties - **1099 income** (`1099-income`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.loanfactory.com/mortgage-expert/sheilla-lavadia-1399453 - **First-time buyer** (`first-time-buyer`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.loanfactory.com/mortgage-expert/sheilla-lavadia-1399453 - **Real estate investor** (`investor`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.loanfactory.com/mortgage-expert/sheilla-lavadia-1399453 - **Self-employed** (`self-employed`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.loanfactory.com/mortgage-expert/sheilla-lavadia-1399453 ## About Sheilla Lavadia is a mortgage broker with 22 years of experience, having helped over 3,100 families and funded $500+ million in loans. She specializes in first-time homebuyers, self-employed buyers, and real estate investors. Source: LenDb summary of the lender page, verified 2026-10-09. ## Facts from the lender page and intro - years_experience: 22. Source: https://www.loanfactory.com/mortgage-expert/sheilla-lavadia-1399453, verified 2026-10-09. - credential: Over 3,100 families helped, $500+ million in loans funded. Source: https://www.loanfactory.com/mortgage-expert/sheilla-lavadia-1399453, verified 2026-10-09. ## Licenses | State | Type | Number | Status | Confidence | Issued | Source | Verified | |---|---|---|---|---|---|---|---| | FL | state_license | LO121370 | active | confirmed | 2023-07-10 | state_regulator | 2026-10-09 | | AZ | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | CA | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | HI | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | ID | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | KS | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | NM | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | OR | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | TX | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | WA | 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/sheilla-lavadia-1399453, 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/1399453 ## Contact - linkedin_url: https://www.linkedin.com/in/sheillalavadia/ (source: lender_site, verified 2026-10-09) - View profile at Loan Factory: https://www.loanfactory.com/mortgage-expert/sheilla-lavadia-1399453 ## Sources - nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1399453 - state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip - lender_site: https://www.loanfactory.com/mortgage-expert/sheilla-lavadia-1399453 Cite as: Sheilla Lavadia (NMLS 1399453), Loan Factory. LenDb.ai, https://lendb.ai/lo/sheilla-lavadia-1399453, last verified 2026-10-09. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._