---
canonical_url: https://lendb.ai/lo/erica-toriello-2806060
json_url: https://lendb.ai/lo/erica-toriello-2806060.json
nmls_id: 2806060
last_verified: 2026-10-09
---

# Erica Toriello

Mortgage Loan Officer at Loan Factory. NMLS ID 2806060 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2806060)).

**Summary:** Erica Toriello (NMLS 2806060) is Mortgage Loan Officer at Loan Factory. Licensed in Florida, confirmed with the state regulator (license LO146411). Also lists Louisiana on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: First-time buyer. Earliest state license record: April 1, 2026 (Florida), per state regulator. States 15 years of experience. Last verified 2026-10-09.

## At a glance

- Earliest state license record: April 1, 2026 (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): 15 (source: https://www.loanfactory.com/mortgage-expert/erica-toriello-2806060, verified 2026-10-09)
- Licensed in: Florida (FL, confirmed), Louisiana (LA, 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.loanfactory.com/mortgage-expert/erica-toriello-2806060

## About

Erica brings over 15 years of experience in affordable housing and community lending, focusing on first-time buyers and underserved communities. They prioritize transparent, client-centered mortgage processes with an emphasis on stability and homeownership accessibility.

Source: LenDb summary of the lender page, verified 2026-10-09.

## Facts from the lender page and intro

- years_experience: 15. Source: https://www.loanfactory.com/mortgage-expert/erica-toriello-2806060, verified 2026-10-09.
- role: mortgage loan originator. Source: https://www.loanfactory.com/mortgage-expert/erica-toriello-2806060, verified 2026-10-09.
- community: worked with underserved communities, single parents, and first-time homebuyers. Source: https://www.loanfactory.com/mortgage-expert/erica-toriello-2806060, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO146411 | active | confirmed | 2026-04-01 | state_regulator | 2026-10-09 |
| LA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: Loan Factory (NMLS 320841). Source: https://www.loanfactory.com/mortgage-expert/erica-toriello-2806060, 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/2806060

## Contact

- View profile at Loan Factory: https://www.loanfactory.com/mortgage-expert/erica-toriello-2806060

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2806060
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip
- lender_site: https://www.loanfactory.com/mortgage-expert/erica-toriello-2806060

Cite as: Erica Toriello (NMLS 2806060), Loan Factory. LenDb.ai, https://lendb.ai/lo/erica-toriello-2806060, last verified 2026-10-09.

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