--- canonical_url: https://lendb.ai/lo/cristian-toaca-2009951 json_url: https://lendb.ai/lo/cristian-toaca-2009951.json nmls_id: 2009951 last_verified: 2026-10-09 --- # Cristian Toaca Senior Loan Originator at NFM Lending, Lynnwood, WA. NMLS ID 2009951 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2009951)). **Summary:** Cristian Toaca (NMLS 2009951) is Senior Loan Originator at NFM Lending, based in Lynnwood, WA. Licensed in Florida, confirmed with the state regulator (license LO91388). Also lists Alaska, Alabama, Arizona, California, Colorado, Georgia, Idaho, Illinois and 13 more on the lender page (not yet checked with the state regulator). Earliest state license record: July 15, 2021 (Florida), per state regulator. Last verified 2026-10-09. ## At a glance - Earliest state license record: July 15, 2021 (Florida), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience. - Licensed in: Florida (FL, confirmed), Alaska (AK, lender_reported), Alabama (AL, lender_reported), Arizona (AZ, lender_reported), California (CA, lender_reported), Colorado (CO, lender_reported), Georgia (GA, lender_reported), Idaho (ID, lender_reported), Illinois (IL, lender_reported), Kentucky (KY, lender_reported), Missouri (MO, lender_reported), Montana (MT, lender_reported), North Carolina (NC, lender_reported), Nebraska (NE, lender_reported), Ohio (OH, lender_reported), Oklahoma (OK, lender_reported), Oregon (OR, lender_reported), South Carolina (SC, lender_reported), South Dakota (SD, lender_reported), Tennessee (TN, lender_reported), Texas (TX, lender_reported), Washington (WA, lender_reported) - 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 ## Licenses | State | Type | Number | Status | Confidence | Issued | Source | Verified | |---|---|---|---|---|---|---|---| | FL | state_license | LO91388 | active | confirmed | 2021-07-15 | state_regulator | 2026-10-09 | | AK | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | AL | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | AZ | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | CA | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | CO | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | GA | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | ID | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | IL | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | KY | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | MO | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | MT | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | NC | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | NE | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | OH | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | OK | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | OR | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | SC | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | SD | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | TN | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | TX | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | WA | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | ## Employment history - ? to present: NFM Lending (NMLS 2893), Lynnwood, WA. Source: https://nfmlending.com/loanoriginator/cristian-toaca/, verified 2026-10-09. ## Disciplinary history Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2009951 ## Contact - View profile at NFM Lending: https://nfmlending.com/loanoriginator/cristian-toaca/ - Email on file: shown at https://lendb.ai/lo/cristian-toaca-2009951#contact after a quick human check (not available in this file, the API or MCP). ## Sources - nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2009951 - state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip - lender_site: https://nfmlending.com/loanoriginator/cristian-toaca/ Cite as: Cristian Toaca (NMLS 2009951), NFM Lending. LenDb.ai, https://lendb.ai/lo/cristian-toaca-2009951, last verified 2026-10-09. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._