Zoe Gannam

Federal First Lending LLC

NMLS ID 2046912 (opens in a new tab) · verify at NMLS Consumer Access

Zoe Gannam (NMLS 2046912) is a mortgage loan officer at Federal First Lending LLC, licensed in Florida since 2025 and in Texas, Iowa, Oregon and 2 more states.

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

Quick answers

Is Zoe licensed in Florida?
Yes. Florida regulator records list license LO134597 as active, first effective January 14, 2025 (verified 2026-10-15). LenDb has 5 other states on file for Zoe.
Source: Florida state regulator (opens in a new tab)
What lender does Zoe 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 Zoe been licensed?
The earliest state license record LenDb holds for Zoe is from January 14, 2025 (Florida regulator). That is a record date from the rosters we hold, not proof of continuous licensure.
Source: Florida 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, Iowa, Oregon, California, Maryland

    ✓ Confirmed with the state regulator: FL (opens in a new tab) (LO134597, first effective 2025-01-14), TX (opens in a new tab), IA (opens in a new tab) (53924, first effective 2025-03-04), OR (opens in a new tab), CA DFPI (opens in a new tab) (CA-DFPI2046912, first effective 2025-02-03), MD (opens in a new tab), verified 2026-10-15.

    Regulator records not active: WI (expired).

    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 · labor.maryland.gov (opens in a new tab)verified 2026-10-26
    License statusNMLS Consumer Access (opens in a new tab)check live

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

    Cite as: Zoe Gannam (NMLS 2046912), Federal First Lending LLC. LenDb.ai, https://lendb.ai/lo/zoe-gannam-2046912, last verified 2026-10-26.

    Is this you? Claim it free.

    Email us from the work address your lender's website lists for you. We check it against that listing and reply, then you can add specialties, a bio and languages.

    Email
    claim@lendb.ai
    Subject:
    Claim NMLS 2046912
    Open email to claim

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

    Find me on LenDb badge for your website

    Paste this on your website or in your email signature. It links to this profile, and switches to "Verified on LenDb" once the profile is claimed.

    <a href="https://lendb.ai/lo/zoe-gannam-2046912" title="Zoe Gannam, NMLS 2046912, on LenDb"><img src="https://lendb.ai/badge/2046912.svg" alt="Zoe Gannam, NMLS 2046912, on LenDb" width="190" height="40" loading="lazy" /></a>