The short answer: As of October 29, 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. 8 loan officers on the Allen service roster hold licenses we checked in October 2026; 7 are ranked here. One fact stated up front: no Allen loan officer has claimed a Registry profile yet, so every name below sits in the License-Checked tier — licenses verified at the authority, profiles not yet maintained by the pros. The first Allen loan officer to claim and verify a profile takes the top tier in the next edition, under the same published rules. Until then, this page is the only Allen loan officer ranking that prints the license number and check date behind every name.
The ranking — October 2026 edition
1. Brian Baker
Rank basis: License-Checked tier; appears on the Allen service roster (Allen); checked October 28, 2026. Order inside the tier follows the published methodology below.
License: NMLS (Nationwide Multistate Licensing System) #739906 — Active, read directly at the authority. Last checked: October 28, 2026.
Area served: Allen (Allen service roster).
Registry profile
2. Jeff Davis
Rank basis: License-Checked tier; appears on the Allen service roster (Allen); checked October 28, 2026. Order inside the tier follows the published methodology below.
License: NMLS (Nationwide Multistate Licensing System) #231673 — Active, read directly at the authority. Last checked: October 28, 2026.
Area served: Allen (Allen service roster).
Registry profile
3. Jimmy V Smith
Rank basis: License-Checked tier; appears on the Allen service roster (Allen); checked October 28, 2026. Order inside the tier follows the published methodology below.
License: NMLS (Nationwide Multistate Licensing System) #1089067 — Active, read directly at the authority. Last checked: October 28, 2026.
Area served: Allen (Allen service roster).
Registry profile
4. Robert Byrd
Rank basis: License-Checked tier; appears on the Allen service roster (Allen); checked October 28, 2026. Order inside the tier follows the published methodology below.
License: NMLS (Nationwide Multistate Licensing System) #1084091 — Active, read directly at the authority. Last checked: October 28, 2026.
Area served: Allen (Allen service roster).
Registry profile
5. Terry Fan II
Rank basis: License-Checked tier; appears on the Allen service roster (Allen); checked October 28, 2026. Order inside the tier follows the published methodology below.
License: NMLS (Nationwide Multistate Licensing System) #179597 — Active, read directly at the authority. Last checked: October 28, 2026.
Area served: Allen (Allen service roster).
Registry profile
6. Anthony D’iorio
Rank basis: License-Checked tier; appears on the Allen service roster (Allen); checked October 18, 2026. Order inside the tier follows the published methodology below.
License: NMLS (Nationwide Multistate Licensing System) #184122 — Active, read directly at the authority. Last checked: October 18, 2026.
Area served: Allen (Allen service roster).
Registry profile
7. Derek Shaw
Rank basis: License-Checked tier; appears on the Allen service roster (Allen); checked October 18, 2026. Order inside the tier follows the published methodology below.
License: NMLS (Nationwide Multistate Licensing System) #2380755 — Active, read directly at the authority. Last checked: October 18, 2026.
Area served: Allen (Allen service roster).
Registry profile
Also license-checked in Allen, not ranked in this edition: 1 more loan officers on the Allen service roster hold licenses we read and found Active in October 2026 — Marc Starr.
How this ranking works
Most “best loan officers in Allen” 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 Allen; (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.
Allen, in numbers
- Population and housing: Allen counted an estimated 113,447 people on July 1, 2025, up 8.4% from 104,627 at the April 1, 2020 Census (U.S. Census Bureau QuickFacts, Allen city, Texas, V2025). Median value of owner-occupied housing units, 2020-2024: $464,100; owner-occupied rate 69.4%; median household income $130,901; 37,243 households.
- Schools: three districts serve addresses inside the Allen city limits. Allen ISD covers most of the city and earned an A in the Texas Education Agency’s 2025 accountability ratings; Plano ISD serves a southwestern portion and earned a B; Lovejoy ISD serves a northern portion (its TEA 2025 letter is not carried in the Registry’s fact build). District boundaries do not follow city limits — verify the district and campuses for a specific address with the applicable district or the Collin Central Appraisal District.
- Taxes: no single consolidated rate exists for Allen — the total depends on the parcel’s school district. Worked example, tax year 2026, for a Collin County parcel in Allen ISD: Allen ISD $1.1037 (M&O $0.7137 + I&S $0.3900) + City of Allen $0.4147 + Collin County $0.151414 + Collin College $0.081220 = $1.751034 per $100 of taxable value, with no MUD. Parcels in the Plano ISD portion substitute Plano ISD’s $1.032750; parcels in the Lovejoy ISD portion substitute $1.237300 per the Collin County Tax Assessor’s 2026 summary table (that total is carried with its rate split unsourced). Public improvement districts bill per-parcel assessments and are never blended into a citywide rate — confirm the entities and rates for a specific parcel with the Collin Central Appraisal District.
- The escrow variable in Allen is the school district, not the city or county: the worked Allen ISD stack totals $1.751034 per $100 for tax year 2026 with no MUD layer, and the city component ($0.4147) fell for TY2026 from $0.4154 in TY2025 (City of Allen FY2026-27 release; Collin County Tax Assessor 2026 summary table).
- On this Registry: 8 loan officers serving Allen hold licenses read at the authority in October 2026; the loan officer seat is unclaimed.
Frequently Asked Questions
Who is the best license-verified loan officer in Allen, Texas?
As of October 29, 2026, Neighborhood Registry has license-checked 8 loan officers serving Allen at NMLS (Nationwide Multistate Licensing System), all Active. The top-ranked are Brian Baker (NMLS #739906), Jeff Davis (NMLS #231673), Jimmy V Smith (NMLS #1089067). No Allen loan officer has claimed a Registry profile yet, so all are ranked in the License-Checked tier under a published methodology.
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.
How do property taxes affect a Allen mortgage payment?
Property taxes are escrowed in the monthly mortgage payment from day one, so the tax stack for the specific lot changes the payment and the debt-to-income calculation. For tax year 2026, a Collin County parcel in Allen ISD stacks to $1.751034 per $100 of taxable value (Allen ISD $1.1037 + City of Allen $0.4147 + Collin County $0.151414 + Collin College $0.081220) with no MUD — but Allen is a three-district city, and the school component alone is $1.032750 in the Plano ISD portion or $1.237300 in the Lovejoy ISD portion (that Lovejoy total is carried from the Collin County Tax Assessor’s 2026 summary table with its rate split unsourced), so an Allen payment quote must be built from the parcel’s actual district. Confirm the parcel’s actual entity list with the Collin Central Appraisal District before quoting: a loan officer who quotes a payment without the lot’s actual stack is quoting a number that will move.
What should a Allen homebuyer know about local taxes and schools?
Three districts serve Allen addresses: Allen ISD covers most of the city and earned an A in TEA’s 2025 ratings, Plano ISD (B in 2025) serves a southwestern portion, and Lovejoy ISD serves a northern portion — verify the district for a specific address with the district or the Collin Central Appraisal District. For tax year 2026, a Collin County home in Allen ISD stacks to $1.751034 per $100 of taxable value (Allen ISD $1.1037 + City of Allen $0.4147 + Collin County $0.151414 + Collin College $0.081220) with no MUD; addresses in the Plano ISD or Lovejoy ISD portions substitute that district’s rate ($1.032750 for Plano ISD; $1.237300 total for Lovejoy ISD per the county’s 2026 summary, with its split unsourced) — confirm a specific parcel with the Collin Central Appraisal District.
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.
- Collin County Tax Assessor — 2026 Tax Rates and Exemptions by Jurisdictions summary table (Allen ISD $1.103700, City of Allen $0.414700, Lovejoy ISD $1.237300, Plano ISD $1.032750).
- City of Allen — FY2026-27 adopted budget and tax rate release (rate $0.4147 adopted Sept. 8, 2026; median homestead $492,609).
- Allen ISD — 2026 Tax Rate Calculation Worksheet, Form 50-859 (M&O $0.713700); Allen ISD About Us (service area and campus structure).
- Texas Education Agency — 2025-2026 Accreditation Statuses (Allen ISD A, Plano ISD B).
- U.S. Census Bureau — QuickFacts, Allen city, Texas (V2025).
- Collin County and Collin College TY2026 components by citation to facts/plano.md (checked October 2026).
- Neighborhood Registry Allen fact build, October 2026.