---
canonical_url: https://lendb.ai/lo/david-luczkow-1241452
json_url: https://lendb.ai/lo/david-luczkow-1241452.json
nmls_id: 1241452
last_verified: 2026-10-26
---

# David Luczkow

Loan officer at Standard Mortgage Capital LLC. NMLS ID 1241452 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1241452)).

David Luczkow (NMLS 1241452) is a mortgage loan officer at Standard Mortgage Capital LLC, licensed in Florida since 2021 and in Texas, Connecticut and Massachusetts. David works at an FHA-approved lender, per HUD.

**Summary:** David Luczkow (NMLS 1241452) is a loan officer at Standard Mortgage Capital LLC. Licensed in 4 states confirmed with state regulators: Florida, Texas, Connecticut and Massachusetts. Earliest state license record: January 22, 2021 (Florida), per state regulator. Last verified 2026-10-26.

## Quick answers

### Is David licensed in Florida?

Yes. Florida regulator records list license LO80688 as active, first effective January 22, 2021 (verified 2026-10-15). LenDb has 3 other states on file for David. Source: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip.

### What lender does David work for, and is it FHA-approved?

Standard Mortgage Capital LLC, company NMLS 1604663, per the lender's own site (verified 2026-10-13). Works at an FHA-approved lender, per HUD (HUD FHA data, loans endorsed through Aug 2026). Source: https://www.sml.texas.gov/.

### How long has David been licensed?

The earliest state license record LenDb holds for David is from January 22, 2021 (Florida regulator). That is a record date from the rosters we hold, not proof of continuous licensure. Source: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip.

## At a glance

- Earliest state license record: January 22, 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), Texas (TX, confirmed), Connecticut (CT, confirmed), Massachusetts (MA, confirmed)
- Works at an FHA-approved lender, per HUD (HUD FHA data, loans endorsed through Aug 2026): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot
- 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.

## Licenses

| State | Regulator | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|---|
| FL | Florida regulator | state_license | LO80688 | active | confirmed | 2021-01-22 | state_regulator | 2026-10-15 |
| TX | Texas regulator | state_license | n/a | active | confirmed | 2025-03-04 | state_regulator | 2026-10-13 |
| CT | Connecticut regulator | state_license | LO-1241452 | active | confirmed |  | state_regulator | 2026-10-15 |
| MA | Massachusetts regulator | state_license | MLO1241452 | active | confirmed |  | state_regulator | 2026-10-26 |

## Employment history

- ? to present: Standard Mortgage Capital LLC (NMLS 1604663). 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/1241452

## Contact


## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1241452
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_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://www.mass.gov/lists/download-a-list-of-approved-licensees
- HUD (FHA data): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot

Cite as: David Luczkow (NMLS 1241452), Standard Mortgage Capital LLC. LenDb.ai, https://lendb.ai/lo/david-luczkow-1241452, last verified 2026-10-26.

_Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._