---
canonical_url: https://lendb.ai/lo/tracy-putman-415539
json_url: https://lendb.ai/lo/tracy-putman-415539.json
nmls_id: 415539
last_verified: 2026-10-09
---

# Tracy Putman

Senior Loan Officer at Embrace Home Loans, Tampa, FL. NMLS ID 415539 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/415539)).

**Summary:** Tracy Putman (NMLS 415539) is Senior Loan Officer at Embrace Home Loans, based in Tampa, FL. Licensed in 2 states confirmed with state regulators: Florida and Pennsylvania. Also lists Maryland, Virginia and West Virginia on the lender page (not yet checked with the state regulator). Earliest state license record: October 7, 2020 (Florida), per state regulator. Last verified 2026-10-09.

## At a glance

- Earliest state license record: October 7, 2020 (Florida), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Licensed in: Florida (FL, confirmed), Pennsylvania (PA, confirmed), Maryland (MD, lender_reported), Virginia (VA, lender_reported), West Virginia (WV, 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


## About

Tracy Putman has over 23 years of mortgage industry experience and deep knowledge of both Frederick County, Maryland and Florida real estate markets. She is known for her sincere, caring attitude and consistently earns outstanding survey ratings.

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

## Facts from the lender page and intro

- years_experience: over 23 years. Source: https://www.embracehomeloans.com/location/florida/tampa/tracy-putman, verified 2026-10-09.
- service_area: Frederick County, Maryland and Florida. Source: https://www.embracehomeloans.com/location/florida/tampa/tracy-putman, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO75504 | active | confirmed | 2020-10-07 | state_regulator | 2026-10-09 |
| PA | state_license | 61177 | active | confirmed |  | state_regulator | 2026-10-10 |
| MD | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| VA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| WV | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: Embrace Home Loans (NMLS 2184), Tampa, FL. Source: https://www.embracehomeloans.com/location/florida/tampa/tracy-putman, 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/415539

## Contact

- View profile at Embrace Home Loans: https://www.embracehomeloans.com/location/florida/tampa/tracy-putman
- Office phone and Email on file: shown at https://lendb.ai/lo/tracy-putman-415539#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/415539
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip
- state_regulator: https://data.pa.gov/d/tyxc-jyug
- lender_site: https://www.embracehomeloans.com/location/florida/tampa/tracy-putman

Cite as: Tracy Putman (NMLS 415539), Embrace Home Loans. LenDb.ai, https://lendb.ai/lo/tracy-putman-415539, last verified 2026-10-09.

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