---
canonical_url: https://lendb.ai/lo/zachary-kent-1214281
json_url: https://lendb.ai/lo/zachary-kent-1214281.json
nmls_id: 1214281
last_verified: 2026-10-09
---

# Zach Kent

Branch Manager/Sr. Loan Officer at Highlands Residential Mortgage, Allen, TX. NMLS ID 1214281 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1214281)).

**Summary:** Zach Kent (NMLS 1214281) is Branch Manager/Sr. Loan Officer at Highlands Residential Mortgage, based in Allen, TX. Licensed in Florida, confirmed with the state regulator (license LO115182). Also lists Montana, Tennessee and Texas on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: FHA loan, First-time buyer, Real estate investor and VA loan. Earliest state license record: November 15, 2022 (Florida), per state regulator. Last verified 2026-10-09.

## At a glance

- Earliest state license record: November 15, 2022 (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), Montana (MT, lender_reported), Tennessee (TN, lender_reported), Texas (TX, 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

- **FHA loan** (`fha`): lender page, confidence 0.10, verified 2026-10-09. Source: https://www.highlandsmortgage.com/agents/zach-kent/
- **First-time buyer** (`first-time-buyer`): lender page, confidence 0.10, verified 2026-10-09. Source: https://www.highlandsmortgage.com/agents/zach-kent/
- **Real estate investor** (`investor`): lender page, confidence 0.10, verified 2026-10-09. Source: https://www.highlandsmortgage.com/agents/zach-kent/
- **VA loan** (`va`): lender page, confidence 0.10, verified 2026-10-09. Source: https://www.highlandsmortgage.com/agents/zach-kent/

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO115182 | active | confirmed | 2022-11-15 | state_regulator | 2026-10-09 |
| MT | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| TN | 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 |

## Employment history

- ? to present: Highlands Residential Mortgage (NMLS 134871), Allen, TX. Source: https://www.highlandsmortgage.com/agents/zach-kent/, 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/1214281

## Contact

- View profile at Highlands Residential Mortgage: https://www.highlandsmortgage.com/agents/zach-kent/
- Office phone and Email on file: shown at https://lendb.ai/lo/zachary-kent-1214281#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1214281
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip
- lender_site: https://www.highlandsmortgage.com/agents/zach-kent/

Cite as: Zach Kent (NMLS 1214281), Highlands Residential Mortgage. LenDb.ai, https://lendb.ai/lo/zachary-kent-1214281, last verified 2026-10-09.

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