---
canonical_url: https://lendb.ai/lo/terria-smothers-2252471
json_url: https://lendb.ai/lo/terria-smothers-2252471.json
nmls_id: 2252471
last_verified: 2026-10-09
---

# Terria Smothers

Mortgage Loan Officer at Loan Factory, IL. NMLS ID 2252471 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2252471)).

**Summary:** Terria Smothers (NMLS 2252471) is Mortgage Loan Officer at Loan Factory, based in Illinois. Lists Illinois on the lender page (not yet checked with the state regulator). Last verified 2026-10-09.

## At a glance

- Licensed since: unknown (no state regulator record on file). This is license history on file, not total experience.
- Licensed in: Illinois (IL, 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


## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| IL | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: Loan Factory (NMLS 320841), IL. Source: https://www.loanfactory.com/mortgage-expert/terria-smothers-2252471, 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/2252471

## Contact

- View profile at Loan Factory: https://www.loanfactory.com/mortgage-expert/terria-smothers-2252471

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2252471
- lender_site: https://www.loanfactory.com/mortgage-expert/terria-smothers-2252471

Cite as: Terria Smothers (NMLS 2252471), Loan Factory. LenDb.ai, https://lendb.ai/lo/terria-smothers-2252471, last verified 2026-10-09.

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