Zhong Zhao

Federal First Lending LLC

NMLS ID 1816148 (opens in a new tab) · verify at NMLS Consumer Access

Zhong Zhao (NMLS 1816148) is a mortgage loan officer at Federal First Lending LLC, licensed in Texas since 2024 and in Florida, Louisiana, Iowa and 4 more states.

Last verified . Sources: Federal First Lending LLC (sml.texas.gov), Florida state regulator, Texas state regulator, Louisiana state regulator, Iowa state regulator, Oregon state regulator, California state regulator, Maryland state regulator, Nevada state regulator and NMLS Consumer Access (license status, check live).

Quick answers

Is Zhong licensed in Florida?
Yes. Florida regulator records list license LO128376 as active, first effective May 3, 2024 (verified 2026-10-15). LenDb has 7 other states on file for Zhong.
Source: Florida state regulator (opens in a new tab)
What lender does Zhong work for?
Federal First Lending LLC, company NMLS 2381991, per the lender's own site (verified 2026-10-13).
Source: lender site (opens in a new tab)
How long has Zhong been licensed?
The earliest state license record LenDb holds for Zhong is from April 22, 2024 (Texas regulator). That is a record date from the rosters we hold, not proof of continuous licensure.
Source: Texas state regulator (opens in a new tab)

Specialties

Focus

No focus listed on their lender page yet.

    Focus is the loan officer's own: their bio, title, a certification or their own specialty list on their lender page, or what they report. Programs their lender offers are listed separately and never count as their focus in search.

    Licensed states

    AKMEVTNHWAIDMTNDMNILWIMINYMARIORNVWYSDIAINOHPANJCTCAUTCONEMOKYWVVAMDDEAZNMKSARTNNCSCDCOKLAMSALGAHITXFL

    Florida, Texas, Louisiana, Iowa, Oregon, California, Maryland, Nevada

    ✓ Confirmed with the state regulator: FL (opens in a new tab) (LO128376, first effective 2024-05-03), TX (opens in a new tab), LA (opens in a new tab), IA (opens in a new tab) (56249, first effective 2026-01-21), OR (opens in a new tab) (1816148, first effective 2024-04-24), CA DFPI (opens in a new tab) (CA-DFPI1816148, first effective 2026-02-17), MD (opens in a new tab), NV (opens in a new tab) (NMLO-156569, first effective 2026-01-23), verified 2026-10-15.

    Contact

    No public business contact on file.

    We never see who you contact.

    Employment history

    1. Federal First Lending LLC NMLS 2381991

      Current · seen on lender site 2026-10-13

    Disciplinary history

    Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access (opens in a new tab).

    Sources

    Name and employerstate regulator · sml.texas.gov (opens in a new tab)verified 2026-10-13
    Licenses (regulator)state regulator · mld.nv.gov (opens in a new tab)verified 2026-10-31
    License statusNMLS Consumer Access (opens in a new tab)check live

    Also available as Markdown, JSON, or via the API.

    Cite as: Zhong Zhao (NMLS 1816148), Federal First Lending LLC. LenDb.ai, https://lendb.ai/lo/zhong-zhao-1816148, last verified 2026-10-31.

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