Christian Toro, photo from INDEPENDENCE HOME LOANS LLC

Christian Toro

Executive Loan Officer at INDEPENDENCE HOME LOANS LLC

NMLS ID 2094045 (opens in a new tab) · verify at NMLS Consumer Access

Christian Toro (NMLS 2094045) is an Executive Loan Officer at INDEPENDENCE HOME LOANS LLC, licensed in Iowa since 2021 and in Florida, Texas, Connecticut and 9 more states.

Last verified . Sources: INDEPENDENCE HOME LOANS LLC (independencehl.com), Florida state regulator, Texas state regulator, Connecticut state regulator, Louisiana state regulator, Delaware state regulator, Missouri state regulator, Arkansas state regulator, Iowa state regulator, Oregon state regulator, Wisconsin state regulator, California state regulator, Maryland state regulator, Illinois state regulator, Nevada state regulator and NMLS Consumer Access (license status, check live). Licensed as Christian Toro Mayol (Arkansas, California, Connecticut, Florida, Iowa, Louisiana, Maryland, Missouri, Nevada, Oregon and Wisconsin regulators).

Quick answers

Is Christian licensed in Florida?
Yes. Florida regulator records list license LO85382 as active, first effective April 8, 2021 (verified 2026-10-15). LenDb has 12 other states on file for Christian.
Source: Florida state regulator (opens in a new tab)
What lender does Christian work for?
INDEPENDENCE HOME LOANS LLC, company NMLS 2524174, per the lender's own site (verified 2026-10-15).
Source: lender site (opens in a new tab)
How long has Christian been licensed?
The earliest state license record LenDb holds for Christian is from February 23, 2021 (Iowa regulator). That is a record date from the rosters we hold, not proof of continuous licensure.
Source: Iowa 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, Connecticut, Louisiana, Delaware, Missouri, Arkansas, Iowa, Oregon, California, Maryland, Illinois, Nevada

    ✓ Confirmed with the state regulator: FL (opens in a new tab) (LO85382, first effective 2021-04-08), TX (opens in a new tab), CT (opens in a new tab) (LO-2094045), LA (opens in a new tab), DE (opens in a new tab), MO (opens in a new tab), AR (opens in a new tab), IA (opens in a new tab) (43406, first effective 2021-02-23), OR (opens in a new tab), CA DFPI (opens in a new tab) (CA-DFPI2094045, first effective 2021-04-28), MD (opens in a new tab), IL (opens in a new tab) (31.0066630, first effective 2021-02-23), NV (opens in a new tab) (NMLO-1176606, first effective 2021-05-17), verified 2026-10-15. Source: State of Missouri (see disclaimer).

    Regulator records not active: WI (expired).

    Contact

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    Employment history

    1. INDEPENDENCE HOME LOANS LLC NMLS 2524174

      Current · seen on lender site 2026-10-15

    Disciplinary history

    Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access (opens in a new tab).

    About

    Christian Toro is an Executive Loan Officer. Outside of work, they enjoy golfing and fitness, and they spend time with their wife, son, daughter and family dog.

    Our summary of the lender page. Verified 2026-10-15.

    Sources

    Name and employerstate regulator · independencehl.com (opens in a new tab)verified 2026-10-15
    Licenses (regulator)state regulator · mld.nv.gov (opens in a new tab)verified 2026-10-31
    Summarystate regulator · independencehl.com (opens in a new tab)verified 2026-10-15
    Contactlender site · independencehl.com (opens in a new tab)verified 2026-10-15
    Photostate regulator · independencehl.com (opens in a new tab)verified 2026-10-15
    License statusNMLS Consumer Access (opens in a new tab)check live

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

    Cite as: Christian Toro (NMLS 2094045), INDEPENDENCE HOME LOANS LLC. LenDb.ai, https://lendb.ai/lo/christian-toro-mayol-2094045, last verified 2026-10-31.

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