{
  "canonical_url": "https://lendb.ai/lo/erick-torres-1889547",
  "lede": {
    "text": "Erick Torres (NMLS 1889547) is an Executive Loan Officer at INDEPENDENCE HOME LOANS LLC, licensed in Florida, Texas, Delaware and 7 more states. Erick speaks English and Spanish.",
    "fields": [
      "full_name",
      "nmls_id",
      "title",
      "current_employment",
      "licenses",
      "languages"
    ]
  },
  "quick_answers": [
    {
      "q": "Is Erick licensed in Florida?",
      "a": "Yes. Florida regulator records list license LO125564 as active, first effective January 23, 2024 (verified 2026-10-15). LenDb has 9 other states on file for Erick.",
      "fields": [
        "licenses"
      ],
      "source": "Florida state regulator",
      "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip",
      "verified_at": "2026-10-15"
    },
    {
      "q": "What lender does Erick work for?",
      "a": "INDEPENDENCE HOME LOANS LLC, company NMLS 2524174, per the lender's own site (verified 2026-10-15).",
      "fields": [
        "current_employment"
      ],
      "source": "lender site",
      "source_url": "https://independencehl.com/erick-torres/",
      "verified_at": "2026-10-15"
    },
    {
      "q": "What languages does Erick speak?",
      "a": "English and Spanish, per their lender page (verified 2026-10-15).",
      "fields": [
        "languages"
      ],
      "source": "lender page",
      "source_url": "https://independencehl.com/erick-torres/",
      "verified_at": "2026-10-15"
    },
    {
      "q": "How long has Erick been licensed?",
      "a": "The earliest state license record LenDb holds for Erick is from September 11, 2019 (Iowa regulator). That is a record date from the rosters we hold, not proof of continuous licensure. Erick states 6 years of experience.",
      "fields": [
        "earliest_license_record",
        "years_experience"
      ],
      "source": "Iowa state regulator",
      "source_url": "https://idob.iowa.gov/",
      "verified_at": "2026-10-20"
    }
  ],
  "field_notes": {
    "languages": "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."
  },
  "loan_officer": {
    "nmls_id": 1889547,
    "slug": "erick-torres-1889547",
    "canonical_url": "https://lendb.ai/lo/erick-torres-1889547",
    "md_url": "https://lendb.ai/lo/erick-torres-1889547.md",
    "json_url": "https://lendb.ai/lo/erick-torres-1889547.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1889547",
    "full_name": {
      "value": "Erick Torres",
      "source": "state_regulator",
      "source_url": "https://independencehl.com/erick-torres/",
      "verified_at": "2026-10-15"
    },
    "first_name": "Erick",
    "last_name": "Torres",
    "licensed_names": [
      {
        "name": "Erick Torres",
        "name_with_middle_initial": "Erick E. Torres",
        "first_name": "Erick",
        "middle_initial": "E",
        "last_name": "Torres",
        "states": [
          "AR",
          "CA",
          "DE",
          "FL",
          "IA",
          "MD",
          "NV",
          "OR",
          "TX"
        ],
        "source": "state_regulator",
        "as_of": "2026-10-30"
      }
    ],
    "headshot_url": {
      "value": "https://independencehl.com/wp-content/uploads/2025/04/ErickTorresWebsite-350x350.png",
      "source": "state_regulator",
      "source_url": "https://independencehl.com/erick-torres/",
      "verified_at": "2026-10-15"
    },
    "bio": {
      "value": "Erick Torres has over 6 years of experience in mortgage. They are fluent in English and Spanish and say they are originally from California. Their profile also mentions that they compete in Spartan races and marathons.",
      "source": "state_regulator",
      "source_url": "https://independencehl.com/erick-torres/",
      "verified_at": "2026-10-15"
    },
    "title": {
      "value": "Executive Loan Officer",
      "source": "state_regulator",
      "source_url": "https://independencehl.com/erick-torres/",
      "verified_at": "2026-10-15"
    },
    "languages": {
      "value": [
        "en",
        "es"
      ],
      "source": "state_regulator",
      "source_url": "https://independencehl.com/erick-torres/",
      "verified_at": "2026-10-15"
    },
    "years_licensed": null,
    "years_experience": {
      "value": 6,
      "source": "lender_site",
      "source_url": "https://independencehl.com/erick-torres/",
      "verified_at": "2026-10-15"
    },
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 75,
    "current_employment": {
      "lender_nmls_id": 2524174,
      "lender_name": "INDEPENDENCE HOME LOANS LLC",
      "lender_slug": "independence-home-loans-llc-2524174",
      "branch_city": null,
      "branch_state": null,
      "branch_zip": null,
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://independencehl.com/erick-torres/",
      "lender_type": "imb",
      "source": "state_regulator",
      "source_url": "https://independencehl.com/erick-torres/",
      "verified_at": "2026-10-15"
    },
    "employment_history": [
      {
        "lender_nmls_id": 2524174,
        "lender_name": "INDEPENDENCE HOME LOANS LLC",
        "lender_slug": "independence-home-loans-llc-2524174",
        "branch_city": null,
        "branch_state": null,
        "branch_zip": null,
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://independencehl.com/erick-torres/",
        "lender_type": "imb",
        "source": "state_regulator",
        "source_url": "https://independencehl.com/erick-torres/",
        "verified_at": "2026-10-15"
      }
    ],
    "licenses": [
      {
        "state": "FL",
        "license_type": "state_license",
        "license_number": "LO125564",
        "status": "active",
        "issued_at": "2024-01-23",
        "source": "state_regulator",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip",
        "verified_at": "2026-10-15",
        "confidence": "confirmed",
        "regulator": "fl"
      },
      {
        "state": "TX",
        "license_type": "state_license",
        "license_number": null,
        "status": "active",
        "issued_at": "2024-01-20",
        "source": "state_regulator",
        "source_url": "https://www.sml.texas.gov/",
        "verified_at": "2026-10-13",
        "confidence": "confirmed",
        "regulator": "tx"
      },
      {
        "state": "DE",
        "license_type": "state_license",
        "license_number": null,
        "status": "active",
        "issued_at": null,
        "source": "state_regulator",
        "source_url": "https://banking.delaware.gov/delaware-approved-mortgage-loan-originators/",
        "verified_at": "2026-10-30",
        "confidence": "confirmed",
        "regulator": "de"
      },
      {
        "state": "AR",
        "license_type": "state_license",
        "license_number": null,
        "status": "active",
        "issued_at": null,
        "source": "state_regulator",
        "source_url": "https://securities.arkansas.gov/loans/nmls/",
        "verified_at": "2026-10-20",
        "confidence": "confirmed",
        "regulator": "ar"
      },
      {
        "state": "IA",
        "license_type": "state_license",
        "license_number": "34937",
        "status": "expired",
        "issued_at": "2019-09-11",
        "source": "state_regulator",
        "source_url": "https://idob.iowa.gov/",
        "verified_at": "2026-10-20",
        "confidence": "confirmed",
        "regulator": "ia"
      },
      {
        "state": "OR",
        "license_type": "state_license",
        "license_number": null,
        "status": "active",
        "issued_at": "2025-12-09",
        "source": "state_regulator",
        "source_url": "https://dfr.oregon.gov/",
        "verified_at": "2026-10-20",
        "confidence": "confirmed",
        "regulator": "or"
      },
      {
        "state": "WI",
        "license_type": "state_license",
        "license_number": "1889547",
        "status": "active",
        "issued_at": "2025-12-26",
        "source": "state_regulator",
        "source_url": "https://dfi.wi.gov/Pages/BusinessServices/MortgageBanking/",
        "verified_at": "2026-10-21",
        "confidence": "confirmed",
        "regulator": "wi"
      },
      {
        "state": "CA",
        "license_type": "state_license",
        "license_number": "CA-DFPI1889547",
        "status": "active",
        "issued_at": "2025-01-28",
        "source": "state_regulator",
        "source_url": "https://dfpi.ca.gov/",
        "verified_at": "2026-10-24",
        "confidence": "confirmed",
        "regulator": "ca_dfpi",
        "regulator_name": "California Department of Financial Protection and Innovation"
      },
      {
        "state": "MD",
        "license_type": "state_license",
        "license_number": null,
        "status": "active",
        "issued_at": null,
        "source": "state_regulator",
        "source_url": "https://www.labor.maryland.gov/finance/",
        "verified_at": "2026-10-26",
        "confidence": "confirmed",
        "regulator": "md"
      },
      {
        "state": "IL",
        "license_type": "state_license",
        "license_number": "31.0094739",
        "status": "active",
        "issued_at": "2026-05-08",
        "source": "state_regulator",
        "source_url": "https://idfpr.illinois.gov/banks/resfin.html",
        "verified_at": "2026-10-28",
        "confidence": "confirmed",
        "regulator": "il"
      },
      {
        "state": "NV",
        "license_type": "state_license",
        "license_number": "NMLO-152056",
        "status": "active",
        "issued_at": "2025-12-30",
        "source": "state_regulator",
        "source_url": "https://mld.nv.gov/",
        "verified_at": "2026-10-31",
        "confidence": "confirmed",
        "regulator": "nv"
      }
    ],
    "specialties": [],
    "lender_offers": [],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "6",
        "source": "lender_site",
        "source_url": "https://independencehl.com/erick-torres/",
        "verified_at": "2026-10-15"
      },
      {
        "kind": "other",
        "value": "recognized as a top producer",
        "source": "lender_site",
        "source_url": "https://independencehl.com/erick-torres/",
        "verified_at": "2026-10-15"
      }
    ],
    "last_verified_at": "2026-10-31",
    "updated_at": "2026-10-31 20:06:23.660637+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/erick-torres-1889547#contact",
      "note": "Phone and email are shown on the profile page after a quick human check, one profile at a time. They are not available through the API or MCP. To reach this loan officer, open reveal_url or lender_profile_url.",
      "source": "lender_site",
      "source_url": "https://independencehl.com/erick-torres/",
      "verified_at": "2026-10-15"
    },
    "earliest_license_record": {
      "date": "2019-09-11",
      "state": "IA"
    },
    "licensed_since": {
      "year": 2019,
      "state": "IA"
    },
    "federal_registration": null
  }
}