The short answer: As of October 28, 2026, Neighborhood Registry has read the license record of every loan officer ranked below at NMLS (Nationwide Multistate Licensing System) and found each license Active. 6 loan officers on the McKinney service roster hold licenses we checked in October 2026; 6 are ranked here. 1 of the 6 ranked and named loan officers below has claimed and verified a Registry profile (Tier A); the rest sit in the License-Checked tier — licenses read at the authority, profiles not yet maintained by the pros. This page prints the license number and check date behind every ranked name.
The ranking — October 2026 edition
1. Eric White
Rank basis: Verified & Claimed tier; holds the loan officer seat for Trinity Falls; checked October 24, 2026. Order inside the tier follows the published methodology below.
License: NMLS (Nationwide Multistate Licensing System) #8622 — Active, read directly at the authority. Last checked: October 24, 2026.
Area served: McKinney (Trinity Falls service roster).
Registry profile
2. Tan V Pham
Rank basis: License-Checked tier; appears on the McKinney service roster (Trinity Falls); checked October 28, 2026. Order inside the tier follows the published methodology below.
License: NMLS (Nationwide Multistate Licensing System) #497658 — Active, read directly at the authority. Last checked: October 28, 2026.
Area served: McKinney (Trinity Falls service roster).
Registry profile
3. Taurus Theodies Sanders
Rank basis: License-Checked tier; appears on the McKinney service roster (Trinity Falls); checked October 28, 2026. Order inside the tier follows the published methodology below.
License: NMLS (Nationwide Multistate Licensing System) #621542 — Active, read directly at the authority. Last checked: October 28, 2026.
Area served: McKinney (Trinity Falls service roster).
Registry profile
4. Jon Hinkle
Rank basis: License-Checked tier; appears on the McKinney service roster (Trinity Falls); checked October 28, 2026. Order inside the tier follows the published methodology below.
License: NMLS (Nationwide Multistate Licensing System) #2039162 — Active, read directly at the authority. Last checked: October 28, 2026.
Area served: McKinney (Trinity Falls service roster).
Registry profile
5. Ovet Reynoso Martinez
Rank basis: License-Checked tier; appears on the McKinney service roster (Trinity Falls); checked October 28, 2026. Order inside the tier follows the published methodology below.
License: NMLS (Nationwide Multistate Licensing System) #2237181 — Active, read directly at the authority. Last checked: October 28, 2026.
Area served: McKinney (Trinity Falls service roster).
Registry profile
6. Gail Hillman
Rank basis: License-Checked tier; appears on the McKinney service roster (Trinity Falls); checked October 18, 2026. Order inside the tier follows the published methodology below.
License: NMLS (Nationwide Multistate Licensing System) #312734 — Active, read directly at the authority. Last checked: October 18, 2026.
Area served: McKinney (Trinity Falls service roster).
Registry profile
How this ranking works
Most “best loan officers in McKinney” lists are assembled from advertising placements and review counts copied from other websites. This ranking is assembled from exactly one thing: the license record at the issuing authority, read directly by Neighborhood Registry.
- Eligibility. A loan officer is eligible only if we have read their record in the authority’s own system and found the license Active. No one can pay to be listed, apply for a rank, or be added by request.
- Tier A — Verified & Claimed. The license is verified at the authority and the pro has claimed their Registry profile, confirmed their details, and maintains it. Tier A always ranks above Tier B.
- Tier B — License-Checked. We have read the license at the authority and found it Active, but the pro has not yet claimed their profile.
- Order inside a tier is mechanical and published: (1) neighborhood seats held in McKinney; (2) most recent authority check; (3) time on the Registry (first-verified date); (4) alphabetical. Every input to every score is printed in the entries above.
- Freshness. Licenses are re-checked weekly and formally re-verified every 12 months. A license that lapses or is suspended removes the pro from this ranking at the next re-check — not at the next edition. This page is re-issued monthly; this is the October 2026 edition, built from checks dated October 2026.
Full method: How We Verify — Every check is written to the public verification ledger.
How to verify a Texas loan officer’s license
Use NMLS Consumer Access at nmlsconsumeraccess.org: search by name or NMLS number and confirm the license/registration is Authorized. Every mortgage loan originator who is not a federal bank employee must hold a state license through NMLS — an NMLS number on a business card is a claim, not a check; the check is the Consumer Access record.
McKinney, in numbers
- Population: 195,308 at the 2020 Census; an estimated 236,001 on July 1, 2025 — up 20.8% since 2020 (U.S. Census Bureau QuickFacts V2025). Median value of owner-occupied homes: $471,800 (Census ACS 2020-2024). McKinney is the Collin County seat, on the US-75 corridor about 30 miles north of downtown Dallas.
- Schools: McKinney ISD earned a B (88) in TEA’s 2025 accountability ratings, up from 84 in 2024 (TEA via McKinney ISD). MISD adopted new attendance boundary maps on December 15, 2025, effective 2026-27 — verify zoning for a specific address with the district.
- Taxes inside Trinity Falls, the Registry’s McKinney seat: the community sits in McKinney MUD No. 1 and No. 2. The full 2025 stacks are $2.7318970 per $100 (MUD No. 1) and $2.7971470 (MUD No. 2), built from McKinney 0.4122840 + Collin County 0.1493430 + Collin College 0.0812200 + McKinney ISD 1.1043000 + the MUD rate (Collin CAD 2025 tax-rate table; Registry fact build, corrected October 2026). Which MUD covers a specific lot is a per-parcel question.
- On this Registry: 6 loan officers serving McKinney hold licenses read at the authority in October 2026; the Tier A seat is held by Eric White.
Frequently Asked Questions
Who is the best license-verified loan officer in McKinney, Texas?
As of October 28, 2026, Neighborhood Registry has license-checked 6 loan officers serving McKinney at NMLS (Nationwide Multistate Licensing System), all Active. The top-ranked are Eric White (NMLS #8622), Tan V Pham (NMLS #497658), Taurus Theodies Sanders (NMLS #621542). The leader holds the Verified & Claimed tier.
How do I verify a Texas loan officer’s license?
Use NMLS Consumer Access at nmlsconsumeraccess.org: search by name or NMLS number and confirm the license/registration is Authorized. Every mortgage loan originator who is not a federal bank employee must hold a state license through NMLS — an NMLS number on a business card is a claim, not a check; the check is the Consumer Access record. Neighborhood Registry reads the same record and writes every check to its public verification ledger.
Why does a MUD tax change a McKinney mortgage payment?
Inside Trinity Falls, McKinney’s Registry seat, homes sit in McKinney MUD No. 1 or No. 2, and the MUD tax is escrowed in the monthly mortgage payment from day one — so the district and rate for the specific lot change the total payment and the debt-to-income calculation on a new-build purchase. The full 2025 stacks are $2.7318970 per $100 (MUD No. 1) and $2.7971470 (MUD No. 2) per Collin CAD. A loan officer who quotes a payment without the lot’s MUD rate is quoting a number that will move.
What should a McKinney homebuyer know about local taxes and schools?
McKinney ISD earned a B (88) in TEA’s 2025 ratings and adopted new boundary maps effective 2026-27, so verify a specific address with the district. Inside Trinity Falls the full 2025 tax stack is $2.7318970 to $2.7971470 per $100 depending on the MUD — among the most consequential numbers in a McKinney new-build payment.
Sources
- NMLS (Nationwide Multistate Licensing System) license records for every ranked loan officer (license numbers and check dates printed above), read October 2026; Neighborhood Registry verification ledger.
- U.S. Census Bureau QuickFacts V2025, McKinney city, Texas; Census ACS 2020-2024.
- Texas Education Agency 2025 accountability via McKinney ISD; MISD boundary adoption, December 15, 2025.
- Collin County Appraisal District 2025 tax-rate table (Trinity Falls / MUD stacks), via the Registry’s Trinity Falls fact build, October 2026.