--- canonical_url: https://lendb.ai/lo/denise-panza-16446 json_url: https://lendb.ai/lo/denise-panza-16446.json nmls_id: 16446 last_verified: 2026-10-09 --- # Denise Panza VP, Mortgage Loan Originator at Total Mortgage Services, Naples, FL. NMLS ID 16446 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/16446)). **Summary:** 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. Earliest state license record: February 10, 2011 (Florida), per state regulator. States 30 years of experience. Last verified 2026-10-09. ## At a glance - Earliest state license record: February 10, 2011 (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): 30 (source: https://www.totalmortgage.com/bankers/denise-panza, verified 2026-10-09) - Licensed in: Florida (FL, confirmed), Pennsylvania (PA, confirmed), Connecticut (CT, lender_reported), Georgia (GA, lender_reported), Kentucky (KY, lender_reported), Massachusetts (MA, lender_reported), Maryland (MD, lender_reported), Maine (ME, lender_reported), Michigan (MI, lender_reported), North Carolina (NC, lender_reported), New Hampshire (NH, lender_reported), New Jersey (NJ, lender_reported), Nevada (NV, lender_reported), New York (NY, lender_reported), Ohio (OH, lender_reported), Rhode Island (RI, lender_reported), South Carolina (SC, lender_reported), Tennessee (TN, lender_reported), Texas (TX, lender_reported), Virginia (VA, lender_reported) - 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 - **First-time buyer** (`first-time-buyer`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.totalmortgage.com/bankers/denise-panza - **Real estate investor** (`investor`): lender page, confidence 0.75, verified 2026-10-09. Source: https://www.totalmortgage.com/bankers/denise-panza ## 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. Source: LenDb summary of the lender page, verified 2026-10-09. ## Facts from the lender page and intro - years_experience: 30. Source: https://www.totalmortgage.com/bankers/denise-panza, verified 2026-10-09. ## Licenses | State | Type | Number | Status | Confidence | Issued | Source | Verified | |---|---|---|---|---|---|---|---| | FL | state_license | LO2314 | active | confirmed | 2011-02-10 | state_regulator | 2026-10-09 | | PA | state_license | 71593 | active | confirmed | | state_regulator | 2026-10-10 | | CT | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | GA | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | KY | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | MA | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | MD | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | ME | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | MI | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | NC | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | NH | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | NJ | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | NV | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | NY | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | OH | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | RI | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | SC | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | TN | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | TX | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | VA | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | ## Employment history - ? to present: Total Mortgage Services (NMLS 2764), Naples, FL. Source: https://www.totalmortgage.com/bankers/denise-panza, verified 2026-10-09. ## Disciplinary history Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/16446 ## Contact - linkedin_url: https://www.linkedin.com/in/denisepanza/ (source: lender_site, verified 2026-10-09) - View profile at Total Mortgage Services: https://www.totalmortgage.com/bankers/denise-panza - Email on file: shown at https://lendb.ai/lo/denise-panza-16446#contact after a quick human check (not available in this file, the API or MCP). ## Sources - nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/16446 - state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip - state_regulator: https://data.pa.gov/d/tyxc-jyug - lender_site: https://www.totalmortgage.com/bankers/denise-panza Cite as: Denise Panza (NMLS 16446), Total Mortgage Services. LenDb.ai, https://lendb.ai/lo/denise-panza-16446, last verified 2026-10-09. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._