Denise Panza
VP, Mortgage Loan Originator at Total Mortgage Services · Naples, FL
NMLS ID 16446 (opens in a new tab) · verify at NMLS Consumer Access
Denise Panza (NMLS 16446) is VP, Mortgage Loan Originator at Total Mortgage Services, based in Naples, FL. Licensed in 2 states confirmed with state regulators: Florida and Pennsylvania. Also lists Connecticut, Georgia, Kentucky, Massachusetts, Maryland, Maine, Michigan, North Carolina and 10 more on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: First-time buyer and Real estate investor. Licensed since 2011 (per Florida records). States 30 years of experience.
Last verified . Sources: Total Mortgage Services (totalmortgage.com), Florida state regulator, Pennsylvania state regulator and NMLS Consumer Access (license status, check live).
- Licensed since 2011 (per Florida records)
- 30 years experience (stated)
- 20 states
- Unclaimed profile
- Disciplinary history not yet checked
Specialties
Where we saw these: totalmortgage.com (opens in a new tab)
Evidence levels, strongest first: production data, lender page, self-reported.
Languages
Not listed
Licensed states
Florida, Pennsylvania, Connecticut, Georgia, Kentucky, Massachusetts, Maryland, Maine, Michigan, North Carolina, New Hampshire, New Jersey, Nevada, New York, Ohio, Rhode Island, South Carolina, Tennessee, Texas, Virginia
✓ Confirmed with the state regulator: FL (opens in a new tab) (LO2314, since 2011), PA (opens in a new tab) (71593), verified 2026-10-09.
Lender-reported: CT, GA, KY, MA, MD, ME, MI, NC, NH, NJ, NV, NY, OH, RI, SC, TN, TX, VA are listed on the lender page, not yet checked with the state regulator.
Contact
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Employment history
Total Mortgage Services NMLS 2764
Current · Naples, FL · seen on lender site 2026-10-09
Disciplinary history
Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access (opens in a new tab).
About
With over 30 years of mortgage banking experience, Denise works with a wide range of clients and has a soft spot for first-time homebuyers. She is licensed in 19 states and offers residential purchases, refinances, investment properties, and commercial financing.
Our summary of the lender page. Verified 2026-10-09.
Sources
| Name and employer | lender site · totalmortgage.com (opens in a new tab) | verified 2026-10-09 |
| Licenses (regulator) | state regulator · data.pa.gov (opens in a new tab) | verified 2026-10-10 |
| Licensed states | lender site · totalmortgage.com (opens in a new tab) | verified 2026-10-09 |
| Specialties | lender site · totalmortgage.com (opens in a new tab) | verified 2026-10-09 |
| Summary | lender site · totalmortgage.com (opens in a new tab) | verified 2026-10-09 |
| Contact | lender site · totalmortgage.com (opens in a new tab) | verified 2026-10-09 |
| Photo | lender site · totalmortgage.com (opens in a new tab) | verified 2026-10-09 |
| License status | NMLS Consumer Access (opens in a new tab) | check live |
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Cite as: Denise Panza (NMLS 16446), Total Mortgage Services. LenDb.ai, https://lendb.ai/lo/denise-panza-16446, last verified 2026-10-09.
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