---
canonical_url: https://lendb.ai/lo/frank-thornton-1515638
json_url: https://lendb.ai/lo/frank-thornton-1515638.json
nmls_id: 1515638
last_verified: 2026-10-15
---

# David Thornton

Sr. Loan Officer at Lower, Winter Haven, FL. NMLS ID 1515638 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1515638)).

**Summary:** David Thornton (NMLS 1515638) is Sr. Loan Officer at Lower, based in Winter Haven, FL. Licensed in Florida, confirmed with the state regulator (license LO38533). Also lists Georgia and Michigan on the lender page (not yet checked with the state regulator). Lower also offers FHA loan, First-time buyer, HELOC, Real estate investor and Jumbo loan and 5 more (a lender program, not confirmed as their own focus). Earliest state license record: January 20, 2017 (Florida), per state regulator. Last verified 2026-10-15.

## At a glance

- Earliest state license record: January 20, 2017 (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), Georgia (GA, lender_reported), Michigan (MI, lender_reported)
- 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.

### Their lender offers (lender level: Lower's programs, not confirmed as this person's focus)

- **FHA loan** (`fha`): verified 2026-10-10. Source: https://www.lower.com
- **First-time buyer** (`first-time-buyer`): verified 2026-10-10. Source: https://www.lower.com
- **HELOC** (`heloc`): verified 2026-10-10. Source: https://www.lower.com
- **Real estate investor** (`investor`): verified 2026-10-10. Source: https://www.lower.com
- **Jumbo loan** (`jumbo`): verified 2026-10-10. Source: https://www.lower.com
- **Non-QM loan** (`non-qm`): verified 2026-10-10. Source: https://www.lower.com
- **Renovation loan (203k / HomeStyle)** (`renovation`): verified 2026-10-10. Source: https://www.lower.com
- **USDA loan** (`usda`): verified 2026-10-10. Source: https://www.lower.com
- **VA loan** (`va`): verified 2026-10-10. Source: https://www.lower.com
- **Vacation home** (`vacation-home`): verified 2026-10-10. Source: https://www.lower.com

## About

Lifelong Polk County resident who has served the Central Florida public for over 35 years. Says they personally handle each transaction from start to finish.

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

## Video intro available

David has a short recorded video intro on Lower's site.

Watch on Lower's site: https://www.lower.com/loan-officers/florida/winter-haven/david-thornton

The recording is hosted by the lender; LenDb does not copy or transcribe it. Verified 2026-10-10.

## Facts from the lender page and intro

- service_area: Polk County. Source: https://www.lower.com/loan-officers/florida/winter-haven/david-thornton, verified 2026-10-10.
- service_area: Central Florida. Source: https://www.lower.com/loan-officers/florida/winter-haven/david-thornton, verified 2026-10-10.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO38533 | active | confirmed | 2017-01-20 | state_regulator | 2026-10-15 |
| GA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-10 |
| MI | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-10 |

## Employment history

- ? to present: Lower (NMLS 1124061), Winter Haven, FL. Source: https://www.lower.com/loan-officers/florida/winter-haven/david-thornton, verified 2026-10-10.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1515638

## Contact

- linkedin_url: https://www.linkedin.com/in/david-thornton-4aa43815/ (source: lender_site, verified 2026-10-10)
- View profile at Lower: https://www.lower.com/loan-officers/florida/winter-haven/david-thornton
- Email on file: shown at https://lendb.ai/lo/frank-thornton-1515638#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1515638
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip
- lender_site: https://www.lower.com/loan-officers/florida/winter-haven/david-thornton
- lender_site (lender programs): https://www.lower.com
- HUD (FHA data): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot

Cite as: David Thornton (NMLS 1515638), Lower. LenDb.ai, https://lendb.ai/lo/frank-thornton-1515638, last verified 2026-10-15.

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