{
  "canonical_url": "https://lendb.ai/lo/zachary-roben-1745044",
  "lede": {
    "text": "Zach Roben (NMLS 1745044) is a Sales Director at INDEPENDENCE HOME LOANS LLC, licensed in Illinois since 2023 and in Florida, Texas, Connecticut and 12 more states.",
    "fields": [
      "full_name",
      "nmls_id",
      "title",
      "current_employment",
      "licenses",
      "earliest_license_record"
    ]
  },
  "quick_answers": [
    {
      "q": "Is Zach licensed in Florida?",
      "a": "Yes. Florida regulator records list license LO125212 as active, first effective January 10, 2024 (verified 2026-10-15). LenDb has 15 other states on file for Zach.",
      "fields": [
        "licenses"
      ],
      "source": "Florida state regulator",
      "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip",
      "verified_at": "2026-10-15"
    },
    {
      "q": "What lender does Zach work for?",
      "a": "INDEPENDENCE HOME LOANS LLC, company NMLS 2524174, per the lender's own site (verified 2026-10-15).",
      "fields": [
        "current_employment"
      ],
      "source": "lender site",
      "source_url": "https://independencehl.com/zach-roben/",
      "verified_at": "2026-10-15"
    },
    {
      "q": "How long has Zach been licensed?",
      "a": "The earliest state license record LenDb holds for Zach is from November 3, 2023 (Illinois regulator). That is a record date from the rosters we hold, not proof of continuous licensure.",
      "fields": [
        "earliest_license_record"
      ],
      "source": "Illinois state regulator",
      "source_url": "https://idfpr.illinois.gov/banks/resfin.html",
      "verified_at": "2026-10-28"
    }
  ],
  "field_notes": {
    "languages": "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."
  },
  "loan_officer": {
    "nmls_id": 1745044,
    "slug": "zachary-roben-1745044",
    "canonical_url": "https://lendb.ai/lo/zachary-roben-1745044",
    "md_url": "https://lendb.ai/lo/zachary-roben-1745044.md",
    "json_url": "https://lendb.ai/lo/zachary-roben-1745044.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1745044",
    "full_name": {
      "value": "Zach Roben",
      "source": "state_regulator",
      "source_url": "https://independencehl.com/zach-roben/",
      "verified_at": "2026-10-15"
    },
    "first_name": "Zach",
    "last_name": "Roben",
    "licensed_names": [
      {
        "name": "Zachary Roben",
        "name_with_middle_initial": "Zachary W. Roben",
        "first_name": "Zachary",
        "middle_initial": "W",
        "last_name": "Roben",
        "states": [
          "AR",
          "CA",
          "CT",
          "DE",
          "FL",
          "IA",
          "LA",
          "MA",
          "MD",
          "MO",
          "NV",
          "OR",
          "TX",
          "WY"
        ],
        "source": "state_regulator",
        "as_of": "2026-10-30"
      },
      {
        "name": "Zachary Roben",
        "name_with_middle_initial": null,
        "first_name": "Zachary",
        "middle_initial": null,
        "last_name": "Roben",
        "states": [
          "IL",
          "WI"
        ],
        "source": "state_regulator",
        "as_of": "2026-10-27"
      }
    ],
    "headshot_url": {
      "value": "https://independencehl.com/wp-content/uploads/2024/12/ZachRobenWebsite2-350x350.png",
      "source": "state_regulator",
      "source_url": "https://independencehl.com/zach-roben/",
      "verified_at": "2026-10-15"
    },
    "bio": {
      "value": "Zach Roben is a Sales Director who graduated from the University of Arizona. Their page says they spent several years as a President's Club Loan Officer and a Director of Mortgage Banking. Their page also lists recognition in the Top 100 Scotsman Guide.",
      "source": "state_regulator",
      "source_url": "https://independencehl.com/zach-roben/",
      "verified_at": "2026-10-15"
    },
    "title": {
      "value": "Sales Director",
      "source": "state_regulator",
      "source_url": "https://independencehl.com/zach-roben/",
      "verified_at": "2026-10-15"
    },
    "languages": {
      "value": [],
      "source": "state_regulator",
      "source_url": "https://independencehl.com/zach-roben/",
      "verified_at": "2026-10-15"
    },
    "years_licensed": null,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 70,
    "current_employment": {
      "lender_nmls_id": 2524174,
      "lender_name": "INDEPENDENCE HOME LOANS LLC",
      "lender_slug": "independence-home-loans-llc-2524174",
      "branch_city": null,
      "branch_state": null,
      "branch_zip": null,
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://independencehl.com/zach-roben/",
      "lender_type": "imb",
      "source": "state_regulator",
      "source_url": "https://independencehl.com/zach-roben/",
      "verified_at": "2026-10-15"
    },
    "employment_history": [
      {
        "lender_nmls_id": 2524174,
        "lender_name": "INDEPENDENCE HOME LOANS LLC",
        "lender_slug": "independence-home-loans-llc-2524174",
        "branch_city": null,
        "branch_state": null,
        "branch_zip": null,
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://independencehl.com/zach-roben/",
        "lender_type": "imb",
        "source": "state_regulator",
        "source_url": "https://independencehl.com/zach-roben/",
        "verified_at": "2026-10-15"
      }
    ],
    "licenses": [
      {
        "state": "FL",
        "license_type": "state_license",
        "license_number": "LO125212",
        "status": "active",
        "issued_at": "2024-01-10",
        "source": "state_regulator",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip",
        "verified_at": "2026-10-15",
        "confidence": "confirmed",
        "regulator": "fl"
      },
      {
        "state": "TX",
        "license_type": "state_license",
        "license_number": null,
        "status": "active",
        "issued_at": "2023-12-27",
        "source": "state_regulator",
        "source_url": "https://www.sml.texas.gov/",
        "verified_at": "2026-10-13",
        "confidence": "confirmed",
        "regulator": "tx"
      },
      {
        "state": "CT",
        "license_type": "state_license",
        "license_number": "LO-1745044",
        "status": "active",
        "issued_at": null,
        "source": "state_regulator",
        "source_url": "https://portal.ct.gov/dob/consumer-credit-licenses/consumer-credit-licenses/mortgage-loan-originators-licensed-in-connecticut",
        "verified_at": "2026-10-15",
        "confidence": "confirmed",
        "regulator": "ct"
      },
      {
        "state": "LA",
        "license_type": "state_license",
        "license_number": null,
        "status": "active",
        "issued_at": null,
        "source": "state_regulator",
        "source_url": "https://ofi.la.gov/non-depository/residential-mortgage-lending/originators-by-lender/",
        "verified_at": "2026-10-15",
        "confidence": "confirmed",
        "regulator": "la"
      },
      {
        "state": "DE",
        "license_type": "state_license",
        "license_number": null,
        "status": "active",
        "issued_at": null,
        "source": "state_regulator",
        "source_url": "https://banking.delaware.gov/delaware-approved-mortgage-loan-originators/",
        "verified_at": "2026-10-30",
        "confidence": "confirmed",
        "regulator": "de"
      },
      {
        "state": "MO",
        "license_type": "state_license",
        "license_number": null,
        "status": "active",
        "issued_at": null,
        "source": "state_regulator",
        "source_url": "https://finance.mo.gov/banks-0/bank-licensee-search",
        "verified_at": "2026-10-19",
        "confidence": "confirmed",
        "regulator": "mo"
      },
      {
        "state": "AR",
        "license_type": "state_license",
        "license_number": null,
        "status": "active",
        "issued_at": null,
        "source": "state_regulator",
        "source_url": "https://securities.arkansas.gov/loans/nmls/",
        "verified_at": "2026-10-20",
        "confidence": "confirmed",
        "regulator": "ar"
      },
      {
        "state": "IA",
        "license_type": "state_license",
        "license_number": "51258",
        "status": "active",
        "issued_at": "2024-01-18",
        "source": "state_regulator",
        "source_url": "https://idob.iowa.gov/",
        "verified_at": "2026-10-20",
        "confidence": "confirmed",
        "regulator": "ia"
      },
      {
        "state": "OR",
        "license_type": "state_license",
        "license_number": null,
        "status": "active",
        "issued_at": "2024-01-30",
        "source": "state_regulator",
        "source_url": "https://dfr.oregon.gov/",
        "verified_at": "2026-10-20",
        "confidence": "confirmed",
        "regulator": "or"
      },
      {
        "state": "WI",
        "license_type": "state_license",
        "license_number": "1745044",
        "status": "active",
        "issued_at": "2024-01-18",
        "source": "state_regulator",
        "source_url": "https://dfi.wi.gov/Pages/BusinessServices/MortgageBanking/",
        "verified_at": "2026-10-21",
        "confidence": "confirmed",
        "regulator": "wi"
      },
      {
        "state": "CA",
        "license_type": "state_license",
        "license_number": "CA-DFPI1745044",
        "status": "active",
        "issued_at": "2024-01-03",
        "source": "state_regulator",
        "source_url": "https://dfpi.ca.gov/",
        "verified_at": "2026-10-24",
        "confidence": "confirmed",
        "regulator": "ca_dfpi",
        "regulator_name": "California Department of Financial Protection and Innovation"
      },
      {
        "state": "MA",
        "license_type": "state_license",
        "license_number": "MLO1745044",
        "status": "active",
        "issued_at": null,
        "source": "state_regulator",
        "source_url": "https://www.mass.gov/lists/download-a-list-of-approved-licensees",
        "verified_at": "2026-10-26",
        "confidence": "confirmed",
        "regulator": "ma"
      },
      {
        "state": "MD",
        "license_type": "state_license",
        "license_number": null,
        "status": "active",
        "issued_at": null,
        "source": "state_regulator",
        "source_url": "https://www.labor.maryland.gov/finance/",
        "verified_at": "2026-10-26",
        "confidence": "confirmed",
        "regulator": "md"
      },
      {
        "state": "WY",
        "license_type": "state_license",
        "license_number": "109447",
        "status": "active",
        "issued_at": "2025-12-03",
        "source": "state_regulator",
        "source_url": "https://wyomingbankingdivision.wyo.gov/",
        "verified_at": "2026-10-27",
        "confidence": "confirmed",
        "regulator": "wy"
      },
      {
        "state": "IL",
        "license_type": "state_license",
        "license_number": "31.0083197",
        "status": "active",
        "issued_at": "2023-11-03",
        "source": "state_regulator",
        "source_url": "https://idfpr.illinois.gov/banks/resfin.html",
        "verified_at": "2026-10-28",
        "confidence": "confirmed",
        "regulator": "il"
      },
      {
        "state": "NV",
        "license_type": "state_license",
        "license_number": "NMLO-111360",
        "status": "active",
        "issued_at": "2024-12-05",
        "source": "state_regulator",
        "source_url": "https://mld.nv.gov/",
        "verified_at": "2026-10-31",
        "confidence": "confirmed",
        "regulator": "nv"
      }
    ],
    "specialties": [],
    "lender_offers": [],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "education",
        "value": "University of Arizona (Business Development and Real Estate)",
        "source": "lender_site",
        "source_url": "https://independencehl.com/zach-roben/",
        "verified_at": "2026-10-15"
      },
      {
        "kind": "role",
        "value": "Director of Mortgage Banking (prior role)",
        "source": "lender_site",
        "source_url": "https://independencehl.com/zach-roben/",
        "verified_at": "2026-10-15"
      },
      {
        "kind": "role",
        "value": "President's Club Loan Officer (prior role)",
        "source": "lender_site",
        "source_url": "https://independencehl.com/zach-roben/",
        "verified_at": "2026-10-15"
      },
      {
        "kind": "credential",
        "value": "Named one of the top mortgage loan officers in the United States by the Top 100 Scotsman Guide",
        "source": "lender_site",
        "source_url": "https://independencehl.com/zach-roben/",
        "verified_at": "2026-10-15"
      },
      {
        "kind": "other",
        "value": "Has helped thousands of clients",
        "source": "lender_site",
        "source_url": "https://independencehl.com/zach-roben/",
        "verified_at": "2026-10-15"
      }
    ],
    "last_verified_at": "2026-10-31",
    "updated_at": "2026-10-31 20:06:23.660637+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/zachary-roben-1745044#contact",
      "note": "Phone and email are shown on the profile page after a quick human check, one profile at a time. They are not available through the API or MCP. To reach this loan officer, open reveal_url or lender_profile_url.",
      "source": "lender_site",
      "source_url": "https://independencehl.com/zach-roben/",
      "verified_at": "2026-10-15"
    },
    "earliest_license_record": {
      "date": "2023-11-03",
      "state": "IL"
    },
    "licensed_since": {
      "year": 2023,
      "state": "IL"
    },
    "federal_registration": null
  }
}