---
canonical_url: https://lendb.ai/lo/brad-toft-114974
json_url: https://lendb.ai/lo/brad-toft-114974.json
nmls_id: 114974
last_verified: 2026-10-15
---

# Brad Toft

Director of Construction Lending at BoxCar Mortgage, LLC. NMLS ID 114974 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/114974)).

**Summary:** Brad Toft (NMLS 114974) is Director of Construction Lending at BoxCar Mortgage, LLC. Focus areas shown on the lender page: Construction loan. Last verified 2026-10-15.

## At a glance

- Earliest state license record: none on file. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Licensed in: no license list on file; check NMLS Consumer Access
- Works at an FHA-approved lender, per HUD (HUD FHA data, loans endorsed through Aug 2026): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot
- 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
- Profile: unclaimed
- Status: active

## Specialties

### Focus (officer level: their own bio, title, certification, specialty list or claim)

- **Construction loan** (`construction`): from their lender profile page, confidence 0.85, verified 2026-10-15. Source: https://www.valorhl.com/brad-toft

## Facts from the lender page and intro

- years_experience: nearly three decades. Source: https://www.valorhl.com/brad-toft, verified 2026-10-15.
- role: held elected positions in local government. Source: https://www.valorhl.com/brad-toft, verified 2026-10-15.
- community: board service with CareNet, Habitat for Humanity and Rotary International. Source: https://www.valorhl.com/brad-toft, verified 2026-10-15.
- other: contributed articles to the Seattle Times and Issues and Answers. Source: https://www.valorhl.com/brad-toft, verified 2026-10-15.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|

## Employment history

- ? to present: BoxCar Mortgage, LLC (NMLS 1969375). Source: https://www.valorhl.com/brad-toft, verified 2026-10-15.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/114974

## Contact

- View profile at BoxCar Mortgage, LLC: https://www.valorhl.com/brad-toft
- Office phone and Email on file: shown at https://lendb.ai/lo/brad-toft-114974#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/114974
- lender_site: https://www.valorhl.com/brad-toft
- HUD (FHA data): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot

Cite as: Brad Toft (NMLS 114974), BoxCar Mortgage, LLC. LenDb.ai, https://lendb.ai/lo/brad-toft-114974, last verified 2026-10-15.

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