--- canonical_url: https://lendb.ai/lo/curtis-layton-2136628 json_url: https://lendb.ai/lo/curtis-layton-2136628.json nmls_id: 2136628 last_verified: 2026-10-31 --- # Curtis Layton Executive Loan Officer at INDEPENDENCE HOME LOANS LLC. NMLS ID 2136628 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2136628)). Curtis Layton (NMLS 2136628) is an Executive Loan Officer at INDEPENDENCE HOME LOANS LLC, licensed in Wisconsin since 2021 and in Florida, Texas, Delaware and 6 more states. **Summary:** Curtis Layton (NMLS 2136628) is Executive Loan Officer at INDEPENDENCE HOME LOANS LLC. Licensed in 10 states confirmed with state regulators: Florida, Texas, Delaware, Arkansas, Oregon, Wisconsin, California, Maryland and 2 more. Earliest state license record: May 25, 2021 (Wisconsin), per state regulator. Last verified 2026-10-31. ## Quick answers ### Is Curtis licensed in Florida? Yes. Florida regulator records list license LO148935 as active, first effective June 22, 2026 (verified 2026-10-15). LenDb has 9 other states on file for Curtis. Source: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip. ### What lender does Curtis work for? INDEPENDENCE HOME LOANS LLC, company NMLS 2524174, per the lender's own site (verified 2026-10-15). Source: https://independencehl.com/curtis-layton/. ### How long has Curtis been licensed? The earliest state license record LenDb holds for Curtis is from May 25, 2021 (Wisconsin regulator). That is a record date from the rosters we hold, not proof of continuous licensure. Source: https://dfi.wi.gov/Pages/BusinessServices/MortgageBanking/. ## At a glance - Earliest state license record: May 25, 2021 (Wisconsin), 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): Curtis W. Layton (AR, CA, DE, FL, MD, NV, OR, TX, as of 2026-10-30) - Licensed in: Florida (FL, confirmed), Texas (TX, confirmed), Delaware (DE, confirmed), Arkansas (AR, confirmed), Oregon (OR, confirmed), Wisconsin (WI, 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. ## Facts from the lender page and intro - years_experience: 5 (mortgage finance). Source: https://independencehl.com/curtis-layton/, verified 2026-10-15. - years_experience: over 15 (business overall). Source: https://independencehl.com/curtis-layton/, verified 2026-10-15. - credential: CM, PMP and CBAP business certifications. Source: https://independencehl.com/curtis-layton/, verified 2026-10-15. - role: Account manager and training specialist in the business-to-business sector. Source: https://independencehl.com/curtis-layton/, verified 2026-10-15. - community: Gives back to the community. Source: https://independencehl.com/curtis-layton/, verified 2026-10-15. ## Licenses | State | Regulator | Type | Number | Status | Confidence | Issued | Source | Verified | |---|---|---|---|---|---|---|---|---| | FL | Florida regulator | state_license | LO148935 | active | confirmed | 2026-06-22 | state_regulator | 2026-10-15 | | TX | Texas regulator | state_license | n/a | active | confirmed | 2021-10-08 | state_regulator | 2026-10-13 | | DE | Delaware regulator | state_license | n/a | active | confirmed | | state_regulator | 2026-10-30 | | AR | Arkansas regulator | state_license | n/a | active | confirmed | | state_regulator | 2026-10-20 | | OR | Oregon regulator | state_license | n/a | active | confirmed | 2021-07-01 | state_regulator | 2026-10-20 | | WI | Wisconsin regulator | state_license | 2136628 | active | confirmed | 2021-05-25 | state_regulator | 2026-10-21 | | CA | California Department of Financial Protection and Innovation | state_license | CA-DFPI2136628 | active | confirmed | 2021-06-18 | state_regulator | 2026-10-24 | | MD | Maryland regulator | state_license | n/a | active | confirmed | | state_regulator | 2026-10-26 | | IL | Illinois regulator | state_license | 31.0071234 | active | confirmed | 2021-09-20 | state_regulator | 2026-10-28 | | NV | Nevada regulator | state_license | NMLO-155249 | active | confirmed | 2026-01-14 | state_regulator | 2026-10-31 | ## Employment history - ? to present: INDEPENDENCE HOME LOANS LLC (NMLS 2524174). Source: https://independencehl.com/curtis-layton/, 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/2136628 ## Contact - View profile at INDEPENDENCE HOME LOANS LLC: https://independencehl.com/curtis-layton/ - Office phone and Email on file: shown at https://lendb.ai/lo/curtis-layton-2136628#contact after a quick human check (not available in this file, the API or MCP). ## Sources - nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2136628 - state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip - state_regulator: https://www.sml.texas.gov/ - state_regulator: https://banking.delaware.gov/delaware-approved-mortgage-loan-originators/ - state_regulator: https://securities.arkansas.gov/loans/nmls/ - 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/curtis-layton/ Cite as: Curtis Layton (NMLS 2136628), INDEPENDENCE HOME LOANS LLC. LenDb.ai, https://lendb.ai/lo/curtis-layton-2136628, last verified 2026-10-31. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._