---
canonical_url: https://lendb.ai/lo/debra-torres-2481050
json_url: https://lendb.ai/lo/debra-torres-2481050.json
nmls_id: 2481050
last_verified: 2026-10-15
---

# Debra Torres

Loan officer at Fay Servicing, LLC. NMLS ID 2481050 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2481050)).

**Summary:** Debra Torres (NMLS 2481050) is a loan officer at Fay Servicing, LLC. Licensed in 5 states confirmed with state regulators: Florida, Colorado, Pennsylvania, Texas and Louisiana. Earliest state license record: August 22, 2023 (Florida), per state regulator. Last verified 2026-10-15.

## At a glance

- Earliest state license record: August 22, 2023 (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), Colorado (CO, confirmed), Pennsylvania (PA, confirmed), Texas (TX, confirmed), Louisiana (LA, 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
- Profile: unclaimed
- Status: active

## Specialties

### Focus (officer level: their own bio, title, certification, specialty list or claim)

- None on file yet.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO122493 | active | confirmed | 2023-08-22 | state_regulator | 2026-10-15 |
| CO | state_license | 100542802 | active | confirmed | 2025-07-28 | state_regulator | 2026-10-10 |
| PA | state_license | 115549 | active | confirmed |  | state_regulator | 2026-10-10 |
| TX | state_license | n/a | active | confirmed | 2025-07-22 | state_regulator | 2026-10-13 |
| LA | state_license | n/a | active | confirmed |  | state_regulator | 2026-10-15 |

## Employment history

- ? to present: Fay Servicing, LLC (NMLS 88244). 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/2481050

## Contact


## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2481050
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip
- state_regulator: https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=342872&contact=576772
- state_regulator: https://data.pa.gov/d/tyxc-jyug
- state_regulator: https://www.sml.texas.gov/
- state_regulator: https://ofi.la.gov/non-depository/residential-mortgage-lending/originators-by-lender/
- HUD (FHA data): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot

Cite as: Debra Torres (NMLS 2481050), Fay Servicing, LLC. LenDb.ai, https://lendb.ai/lo/debra-torres-2481050, last verified 2026-10-15.

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