---
canonical_url: https://lendb.ai/lo/stephen-foster-629844
json_url: https://lendb.ai/lo/stephen-foster-629844.json
nmls_id: 629844
last_verified: 2026-10-09
---

# Stephen Foster

Mortgage Loan Officer at Loan Factory. NMLS ID 629844 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/629844)).

**Summary:** Stephen Foster (NMLS 629844) is Mortgage Loan Officer at Loan Factory. Licensed in Florida, confirmed with the state regulator (license LO128245). Also lists Virginia on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: First-time buyer and VA loan. Licensed since 2024 (per Florida records). States 20 years of experience. Last verified 2026-10-09.

## At a glance

- Licensed since 2024 (per Florida records). This is license history on file, not total experience.
- Years experience (stated by the LO): 20 (source: https://www.loanfactory.com/mortgage-expert/stephen-foster-629844, verified 2026-10-09)
- Licensed in: Florida (FL, confirmed), Virginia (VA, 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

- **First-time buyer** (`first-time-buyer`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.loanfactory.com/mortgage-expert/stephen-foster-629844
- **VA loan** (`va`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.loanfactory.com/mortgage-expert/stephen-foster-629844

## About

With over 20 years of financial industry experience, Stephen Foster specializes in VA loans and first-time homebuyers, known for responsiveness and solving complex scenarios.

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

## Facts from the lender page and intro

- years_experience: 20. Source: https://www.loanfactory.com/mortgage-expert/stephen-foster-629844, verified 2026-10-09.
- service_area: Florida and Virginia. Source: https://www.loanfactory.com/mortgage-expert/stephen-foster-629844, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO128245 | active | confirmed | 2024-04-30 | state_regulator | 2026-10-09 |
| VA | 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/stephen-foster-629844, 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/629844

## Contact

- linkedin_url: https://www.linkedin.com/in/stephen-foster-4aa1b813/ (source: lender_site, verified 2026-10-09)
- View profile at Loan Factory: https://www.loanfactory.com/mortgage-expert/stephen-foster-629844

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/629844
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip
- lender_site: https://www.loanfactory.com/mortgage-expert/stephen-foster-629844

Cite as: Stephen Foster (NMLS 629844), Loan Factory. LenDb.ai, https://lendb.ai/lo/stephen-foster-629844, last verified 2026-10-09.

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