---
canonical_url: https://lendb.ai/lo/andrew-towns-2252863
json_url: https://lendb.ai/lo/andrew-towns-2252863.json
nmls_id: 2252863
last_verified: 2026-10-28
---

# Andrew Towns

Loan officer at United Lending Team, INC, Franklin, TN. NMLS ID 2252863 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2252863)).

Based in Franklin, Tennessee, Andrew Towns (NMLS 2252863) is a mortgage loan officer at United Lending Team, INC, licensed in Florida since 2021 and in Texas, California and Illinois.

**Summary:** Andrew Towns (NMLS 2252863) is a loan officer at United Lending Team, INC, based in Franklin, TN. Licensed in 4 states confirmed with state regulators: Florida, Texas, California and Illinois. Earliest state license record: November 16, 2021 (Florida), per state regulator. Last verified 2026-10-28.

## Quick answers

### Is Andrew licensed in Florida?

Yes. Florida regulator records list license LO97544 as active, first effective November 16, 2021 (verified 2026-10-15). LenDb has 3 other states on file for Andrew. Source: https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip.

### What lender does Andrew work for?

United Lending Team, INC, company NMLS 2273319, from the Franklin, TN office, per the lender's own site (verified 2026-10-13). Source: https://www.sml.texas.gov/.

### How long has Andrew been licensed?

The earliest state license record LenDb holds for Andrew is from November 16, 2021 (Florida regulator). That is a record date from the rosters we hold, not proof of continuous licensure. Source: https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip.

## At a glance

- Earliest state license record: November 16, 2021 (Florida), 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): Andrew R. Towns (AR, CA, FL, TX, as of 2026-10-22)
- Licensed in: Florida (FL, confirmed), Texas (TX, confirmed), California (CA DFPI, confirmed), Illinois (IL, 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.

## Licenses

| State | Regulator | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|---|
| FL | Florida regulator | state_license | LO97544 | active | confirmed | 2021-11-16 | state_regulator | 2026-10-15 |
| TX | Texas regulator | state_license | n/a | active | confirmed | 2021-11-26 | state_regulator | 2026-10-13 |
| AR | Arkansas regulator | state_license | n/a | inactive | confirmed |  | state_regulator | 2026-10-20 |
| WI | Wisconsin regulator | state_license | 2252863 | inactive | confirmed | 2022-03-29 | state_regulator | 2026-10-21 |
| CA | California Department of Financial Protection and Innovation | state_license | CA-DFPI2252863 | active | confirmed | 2023-03-27 | state_regulator | 2026-10-24 |
| IL | Illinois regulator | state_license | 31.0081334 | active | confirmed | 2023-03-15 | state_regulator | 2026-10-28 |

## Employment history

- ? to present: United Lending Team, INC (NMLS 2273319), Franklin, TN. Source: https://www.sml.texas.gov/, verified 2026-10-13.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2252863

## Contact


## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2252863
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip
- state_regulator: https://www.sml.texas.gov/
- state_regulator: https://securities.arkansas.gov/loans/nmls/
- state_regulator: https://dfi.wi.gov/Pages/BusinessServices/MortgageBanking/
- state_regulator: https://dfpi.ca.gov/
- state_regulator: https://idfpr.illinois.gov/banks/resfin.html

Cite as: Andrew Towns (NMLS 2252863), United Lending Team, INC. LenDb.ai, https://lendb.ai/lo/andrew-towns-2252863, last verified 2026-10-28.

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