--- canonical_url: https://lendb.ai/lo/zachary-roben-1745044 json_url: https://lendb.ai/lo/zachary-roben-1745044.json nmls_id: 1745044 last_verified: 2026-10-31 --- # Zach Roben Sales Director at INDEPENDENCE HOME LOANS LLC. NMLS ID 1745044 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1745044)). 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. **Summary:** Zach Roben (NMLS 1745044) is Sales Director at INDEPENDENCE HOME LOANS LLC. Licensed in 16 states confirmed with state regulators: Florida, Texas, Connecticut, Louisiana, Delaware, Missouri, Arkansas, Iowa and 8 more. Earliest state license record: November 3, 2023 (Illinois), per state regulator. Last verified 2026-10-31. ## Quick answers ### Is Zach licensed in Florida? 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. Source: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip. ### What lender does Zach work for? INDEPENDENCE HOME LOANS LLC, company NMLS 2524174, per the lender's own site (verified 2026-10-15). Source: https://independencehl.com/zach-roben/. ### How long has Zach been licensed? 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. Source: https://idfpr.illinois.gov/banks/resfin.html. ## At a glance - Earliest state license record: November 3, 2023 (Illinois), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience. - Also licensed as (state regulator records, same NMLS ID): Zachary W. Roben (AR, CA, CT, DE, FL, IA, LA, MA, MD, MO, NV, OR, TX, WY, as of 2026-10-30); Zachary Roben (IL, WI, as of 2026-10-27) - Licensed in: Florida (FL, confirmed), Texas (TX, confirmed), Connecticut (CT, confirmed), Louisiana (LA, confirmed), Delaware (DE, confirmed), Missouri (MO, confirmed), Arkansas (AR, confirmed), Iowa (IA, confirmed), Oregon (OR, confirmed), Wisconsin (WI, confirmed), California (CA DFPI, confirmed), Massachusetts (MA, confirmed), Maryland (MD, confirmed), Wyoming (WY, confirmed), Illinois (IL, confirmed), Nevada (NV, confirmed) - 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 (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.) - Profile: unclaimed - Status: active ## Specialties ### Focus (officer level: their own bio, title, certification, specialty list or claim) - None on file yet. ## About 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: LenDb summary of the lender page, verified 2026-10-15. ## Facts from the lender page and intro - education: University of Arizona (Business Development and Real Estate). Source: https://independencehl.com/zach-roben/, verified 2026-10-15. - role: Director of Mortgage Banking (prior role). Source: https://independencehl.com/zach-roben/, verified 2026-10-15. - role: President's Club Loan Officer (prior role). Source: https://independencehl.com/zach-roben/, verified 2026-10-15. - credential: Named one of the top mortgage loan officers in the United States by the Top 100 Scotsman Guide. Source: https://independencehl.com/zach-roben/, verified 2026-10-15. - other: Has helped thousands of clients. Source: https://independencehl.com/zach-roben/, verified 2026-10-15. ## Licenses | State | Regulator | Type | Number | Status | Confidence | Issued | Source | Verified | |---|---|---|---|---|---|---|---|---| | FL | Florida regulator | state_license | LO125212 | active | confirmed | 2024-01-10 | state_regulator | 2026-10-15 | | TX | Texas regulator | state_license | n/a | active | confirmed | 2023-12-27 | state_regulator | 2026-10-13 | | CT | Connecticut regulator | state_license | LO-1745044 | active | confirmed | | state_regulator | 2026-10-15 | | LA | Louisiana regulator | state_license | n/a | active | confirmed | | state_regulator | 2026-10-15 | | DE | Delaware regulator | state_license | n/a | active | confirmed | | state_regulator | 2026-10-30 | | MO | Missouri regulator | state_license | n/a | active | confirmed | | state_regulator | 2026-10-19 | | AR | Arkansas regulator | state_license | n/a | active | confirmed | | state_regulator | 2026-10-20 | | IA | Iowa regulator | state_license | 51258 | active | confirmed | 2024-01-18 | state_regulator | 2026-10-20 | | OR | Oregon regulator | state_license | n/a | active | confirmed | 2024-01-30 | state_regulator | 2026-10-20 | | WI | Wisconsin regulator | state_license | 1745044 | active | confirmed | 2024-01-18 | state_regulator | 2026-10-21 | | CA | California Department of Financial Protection and Innovation | state_license | CA-DFPI1745044 | active | confirmed | 2024-01-03 | state_regulator | 2026-10-24 | | MA | Massachusetts regulator | state_license | MLO1745044 | active | confirmed | | state_regulator | 2026-10-26 | | MD | Maryland regulator | state_license | n/a | active | confirmed | | state_regulator | 2026-10-26 | | WY | Wyoming regulator | state_license | 109447 | active | confirmed | 2025-12-03 | state_regulator | 2026-10-27 | | IL | Illinois regulator | state_license | 31.0083197 | active | confirmed | 2023-11-03 | state_regulator | 2026-10-28 | | NV | Nevada regulator | state_license | NMLO-111360 | active | confirmed | 2024-12-05 | state_regulator | 2026-10-31 | ## Employment history - ? to present: INDEPENDENCE HOME LOANS LLC (NMLS 2524174). Source: https://independencehl.com/zach-roben/, verified 2026-10-15. ## Disciplinary history Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1745044 ## Contact - View profile at INDEPENDENCE HOME LOANS LLC: https://independencehl.com/zach-roben/ - Office phone and Email on file: shown at https://lendb.ai/lo/zachary-roben-1745044#contact after a quick human check (not available in this file, the API or MCP). ## Sources - nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1745044 - state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip - state_regulator: https://www.sml.texas.gov/ - state_regulator: https://portal.ct.gov/dob/consumer-credit-licenses/consumer-credit-licenses/mortgage-loan-originators-licensed-in-connecticut - state_regulator: https://ofi.la.gov/non-depository/residential-mortgage-lending/originators-by-lender/ - state_regulator: https://banking.delaware.gov/delaware-approved-mortgage-loan-originators/ - state_regulator: https://finance.mo.gov/banks-0/bank-licensee-search - state_regulator: https://securities.arkansas.gov/loans/nmls/ - state_regulator: https://idob.iowa.gov/ - state_regulator: https://dfr.oregon.gov/ - state_regulator: https://dfi.wi.gov/Pages/BusinessServices/MortgageBanking/ - state_regulator: https://dfpi.ca.gov/ - state_regulator: https://www.mass.gov/lists/download-a-list-of-approved-licensees - state_regulator: https://www.labor.maryland.gov/finance/ - state_regulator: https://wyomingbankingdivision.wyo.gov/ - state_regulator: https://idfpr.illinois.gov/banks/resfin.html - state_regulator: https://mld.nv.gov/ - state_regulator: https://independencehl.com/zach-roben/ Cite as: Zach Roben (NMLS 1745044), INDEPENDENCE HOME LOANS LLC. LenDb.ai, https://lendb.ai/lo/zachary-roben-1745044, last verified 2026-10-31. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._