--- canonical_url: https://lendb.ai/lo/christian-toro-mayol-2094045 json_url: https://lendb.ai/lo/christian-toro-mayol-2094045.json nmls_id: 2094045 last_verified: 2026-10-31 --- # Christian Toro Executive Loan Officer at INDEPENDENCE HOME LOANS LLC. NMLS ID 2094045 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2094045)). 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. **Summary:** Christian Toro (NMLS 2094045) is Executive Loan Officer at INDEPENDENCE HOME LOANS LLC. Licensed in 13 states confirmed with state regulators: Florida, Texas, Connecticut, Louisiana, Delaware, Missouri, Arkansas, Iowa and 5 more. Earliest state license record: February 23, 2021 (Iowa), per state regulator. Last verified 2026-10-31. ## 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: https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip. ### What lender does Christian work for? INDEPENDENCE HOME LOANS LLC, company NMLS 2524174, per the lender's own site (verified 2026-10-15). Source: https://independencehl.com/christian-toro/. ### 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: https://idob.iowa.gov/. ## At a glance - Earliest state license record: February 23, 2021 (Iowa), 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): Christian J. Toro Mayol (AR, CA, CT, FL, IA, LA, MD, MO, NV, OR, as of 2026-10-28); Christian Toro Mayol (WI, as of 2026-10-21) - Licensed in: Florida (FL, confirmed), Texas (TX, confirmed), Connecticut (CT, confirmed), Louisiana (LA, confirmed), Delaware (DE, confirmed), Missouri (MO, confirmed), Arkansas (AR, confirmed), Iowa (IA, confirmed), Oregon (OR, confirmed), California (CA DFPI, confirmed), Maryland (MD, confirmed), Illinois (IL, confirmed), Nevada (NV, 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. ## 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. Source: LenDb summary of the lender page, verified 2026-10-15. ## Licenses | State | Regulator | Type | Number | Status | Confidence | Issued | Source | Verified | |---|---|---|---|---|---|---|---|---| | FL | Florida regulator | state_license | LO85382 | active | confirmed | 2021-04-08 | state_regulator | 2026-10-15 | | TX | Texas regulator | state_license | n/a | active | confirmed | 2021-07-13 | state_regulator | 2026-10-13 | | CT | Connecticut regulator | state_license | LO-2094045 | active | confirmed | | state_regulator | 2026-10-15 | | LA | Louisiana regulator | state_license | n/a | active | confirmed | | state_regulator | 2026-10-15 | | DE | Delaware regulator | state_license | n/a | active | confirmed | | state_regulator | 2026-10-30 | | MO | Missouri regulator | state_license | n/a | active | confirmed | | state_regulator | 2026-10-19 | | AR | Arkansas regulator | state_license | n/a | active | confirmed | | state_regulator | 2026-10-20 | | IA | Iowa regulator | state_license | 43406 | active | confirmed | 2021-02-23 | state_regulator | 2026-10-20 | | OR | Oregon regulator | state_license | n/a | active | confirmed | 2021-05-03 | state_regulator | 2026-10-20 | | WI | Wisconsin regulator | state_license | 2094045 | expired | confirmed | 2021-03-02 | state_regulator | 2026-10-21 | | CA | California Department of Financial Protection and Innovation | state_license | CA-DFPI2094045 | active | confirmed | 2021-04-28 | state_regulator | 2026-10-24 | | MD | Maryland regulator | state_license | n/a | active | confirmed | | state_regulator | 2026-10-26 | | IL | Illinois regulator | state_license | 31.0066630 | active | confirmed | 2021-02-23 | state_regulator | 2026-10-28 | | NV | Nevada regulator | state_license | NMLO-1176606 | active | confirmed | 2021-05-17 | state_regulator | 2026-10-31 | ## Employment history - ? to present: INDEPENDENCE HOME LOANS LLC (NMLS 2524174). Source: https://independencehl.com/christian-toro/, 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/2094045 ## Contact - View profile at INDEPENDENCE HOME LOANS LLC: https://independencehl.com/christian-toro/ - Office phone and Email on file: shown at https://lendb.ai/lo/christian-toro-mayol-2094045#contact after a quick human check (not available in this file, the API or MCP). ## Sources - nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2094045 - state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip - state_regulator: https://www.sml.texas.gov/ - state_regulator: https://portal.ct.gov/dob/consumer-credit-licenses/consumer-credit-licenses/mortgage-loan-originators-licensed-in-connecticut - state_regulator: https://ofi.la.gov/non-depository/residential-mortgage-lending/originators-by-lender/ - state_regulator: https://banking.delaware.gov/delaware-approved-mortgage-loan-originators/ - state_regulator: https://finance.mo.gov/banks-0/bank-licensee-search - state_regulator: https://securities.arkansas.gov/loans/nmls/ - state_regulator: https://idob.iowa.gov/ - state_regulator: https://dfr.oregon.gov/ - state_regulator: https://dfi.wi.gov/Pages/BusinessServices/MortgageBanking/ - state_regulator: https://dfpi.ca.gov/ - state_regulator: https://www.labor.maryland.gov/finance/ - state_regulator: https://idfpr.illinois.gov/banks/resfin.html - state_regulator: https://mld.nv.gov/ - state_regulator: https://independencehl.com/christian-toro/ 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. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._