--- canonical_url: https://lendb.ai/lo/david-christopher-1541625 json_url: https://lendb.ai/lo/david-christopher-1541625.json nmls_id: 1541625 last_verified: 2026-10-26 --- # David Christoper Executive Loan Officer at INDEPENDENCE HOME LOANS LLC. NMLS ID 1541625 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1541625)). David Christoper (NMLS 1541625) is an Executive Loan Officer at INDEPENDENCE HOME LOANS LLC, licensed in Florida since 2021 and in Texas, Oregon, California and Maryland. **Summary:** David Christoper (NMLS 1541625) is Executive Loan Officer at INDEPENDENCE HOME LOANS LLC. Licensed in 5 states confirmed with state regulators: Florida, Texas, Oregon, California and Maryland. Earliest state license record: June 23, 2021 (Florida), per state regulator. States 8 years of experience. Last verified 2026-10-26. ## Quick answers ### Is David licensed in Florida? Yes. Florida regulator records list license LO90125 as active, first effective June 23, 2021 (verified 2026-10-15). LenDb has 4 other states on file for David. Source: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip. ### What lender does David work for? INDEPENDENCE HOME LOANS LLC, company NMLS 2524174, per the lender's own site (verified 2026-10-15). Source: https://independencehl.com/david-christoper/. ### How long has David been licensed? The earliest state license record LenDb holds for David is from June 23, 2021 (Florida regulator). That is a record date from the rosters we hold, not proof of continuous licensure. David states 8 years of experience. Source: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip. ## At a glance - Earliest state license record: June 23, 2021 (Florida), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience. - Years experience (stated by the LO): 8 (source: https://independencehl.com/david-christoper/, verified 2026-10-15) - Licensed in: Florida (FL, confirmed), Texas (TX, confirmed), Oregon (OR, confirmed), California (CA DFPI, confirmed), Maryland (MD, 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 David Christoper has over eight years in the industry, starting in closing and post-closing before working as a loan officer for the past four years. They are a graduate of Towson University. Outside of work, they enjoy the gym, golf, and local sports events. Source: LenDb summary of the lender page, verified 2026-10-15. ## Facts from the lender page and intro - years_experience: 8. Source: https://independencehl.com/david-christoper/, verified 2026-10-15. - other: Loan Officer for the past four years. Source: https://independencehl.com/david-christoper/, verified 2026-10-15. - education: Towson University, Bachelor's degree in 2014. Source: https://independencehl.com/david-christoper/, verified 2026-10-15. ## Licenses | State | Regulator | Type | Number | Status | Confidence | Issued | Source | Verified | |---|---|---|---|---|---|---|---|---| | FL | Florida regulator | state_license | LO90125 | active | confirmed | 2021-06-23 | state_regulator | 2026-10-15 | | TX | Texas regulator | state_license | n/a | active | confirmed | 2023-05-22 | state_regulator | 2026-10-13 | | OR | Oregon regulator | state_license | n/a | active | confirmed | 2021-08-03 | state_regulator | 2026-10-20 | | CA | California Department of Financial Protection and Innovation | state_license | CA-DFPI1541625 | active | confirmed | 2021-07-09 | state_regulator | 2026-10-24 | | MD | Maryland regulator | state_license | n/a | active | confirmed | | state_regulator | 2026-10-26 | ## Employment history - ? to present: INDEPENDENCE HOME LOANS LLC (NMLS 2524174). Source: https://independencehl.com/david-christoper/, verified 2026-10-15. - ? to present: Atlantic Avenue Mortgage, LLC (NMLS 2413563), Annapolis, MD. Source: https://www.sml.texas.gov/, verified 2026-10-13. ## Disciplinary history Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1541625 ## Contact - View profile at INDEPENDENCE HOME LOANS LLC: https://independencehl.com/david-christoper/ - Office phone and Email on file: shown at https://lendb.ai/lo/david-christopher-1541625#contact after a quick human check (not available in this file, the API or MCP). ## Sources - nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1541625 - state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip - state_regulator: https://www.sml.texas.gov/ - state_regulator: https://dfr.oregon.gov/ - state_regulator: https://dfpi.ca.gov/ - state_regulator: https://www.labor.maryland.gov/finance/ - lender_site: https://independencehl.com/david-christoper/ Cite as: David Christoper (NMLS 1541625), INDEPENDENCE HOME LOANS LLC. LenDb.ai, https://lendb.ai/lo/david-christopher-1541625, last verified 2026-10-26. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._