---
canonical_url: https://lendb.ai/lo/sophie-pappas-1990676
json_url: https://lendb.ai/lo/sophie-pappas-1990676.json
nmls_id: 1990676
last_verified: 2026-10-15
---

# Sophie Pappas

Senior Mortgage Broker at Three Point Mortgage LLC. NMLS ID 1990676 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1990676)).

Sophie Pappas (NMLS 1990676) is a Senior Mortgage Broker at Three Point Mortgage LLC. Sophie's lender page shows a focus on foreign national, non-QM loan and self-employed.

**Summary:** Sophie Pappas (NMLS 1990676) is Senior Mortgage Broker at Three Point Mortgage LLC. Focus areas shown on the lender page: Foreign national, Non-QM loan, Self-employed, Jumbo loan and DSCR loan. Last verified 2026-10-15.

## Quick answers

### Does Sophie list foreign national as a focus?

Sophie's profile lists foreign national as a focus (from their lender profile page). It also lists non-QM loan, self-employed and jumbo loan. Source: https://www.threepointmortgage.com/sophie-pappas.

### What lender does Sophie work for?

Three Point Mortgage LLC, company NMLS 2364254, per the lender's own site (verified 2026-10-15). Source: https://www.threepointmortgage.com/sophie-pappas.

## 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: no license list on file; check NMLS Consumer Access
- 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)

- **Foreign national** (`foreign-national`): from their lender profile page, confidence 0.60, verified 2026-10-26. Source: https://www.threepointmortgage.com/sophie-pappas
- **Non-QM loan** (`non-qm`): from their lender profile page, confidence 0.31, verified 2026-10-26. Source: https://www.threepointmortgage.com/sophie-pappas
- **Self-employed** (`self-employed`): from their lender profile page, confidence 0.25, verified 2026-10-26. Source: https://www.threepointmortgage.com/sophie-pappas
- **Jumbo loan** (`jumbo`): from their lender profile page, confidence 0.18, verified 2026-10-26. Source: https://www.threepointmortgage.com/sophie-pappas
- **DSCR loan** (`dscr`): from their lender profile page, confidence 0.09, verified 2026-10-26. Source: https://www.threepointmortgage.com/sophie-pappas
- **First-time buyer** (`first-time-buyer`): from their lender profile page, confidence 0.09, verified 2026-10-26. Source: https://www.threepointmortgage.com/sophie-pappas
- **Real estate investor** (`investor`): from their lender profile page, confidence 0.09, verified 2026-10-26. Source: https://www.threepointmortgage.com/sophie-pappas
- **VA loan** (`va`): from their lender profile page, confidence 0.09, verified 2026-10-26. Source: https://www.threepointmortgage.com/sophie-pappas

## Facts from the lender page and intro

- service_area: Colorado real estate market. Source: https://www.threepointmortgage.com/sophie-pappas, verified 2026-10-15.
- other: Background in mathematics, finance, and mortgage lending. Source: https://www.threepointmortgage.com/sophie-pappas, verified 2026-10-15.

## Licenses

| State | Regulator | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|---|

## Employment history

- ? to present: Three Point Mortgage LLC (NMLS 2364254). Source: https://www.threepointmortgage.com/sophie-pappas, verified 2026-10-15.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1990676

## Contact

- View profile at Three Point Mortgage LLC: https://www.threepointmortgage.com/sophie-pappas
- Office phone and Email on file: shown at https://lendb.ai/lo/sophie-pappas-1990676#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1990676
- lender_site: https://www.threepointmortgage.com/sophie-pappas

Cite as: Sophie Pappas (NMLS 1990676), Three Point Mortgage LLC. LenDb.ai, https://lendb.ai/lo/sophie-pappas-1990676, last verified 2026-10-15.

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