---
canonical_url: https://lendb.ai/lo/gina-concepcion-1924460
json_url: https://lendb.ai/lo/gina-concepcion-1924460.json
nmls_id: 1924460
last_verified: 2026-10-15
---

# Gina Concepcion

Branch Manager at think one mortgage inc, Ponte Vedra Beach, FL. NMLS ID 1924460 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1924460)).

Gina Concepcion, NMLS 1924460, works as a Branch Manager at think one mortgage inc in Ponte Vedra Beach, Florida and is licensed in Florida since 2020. Gina works at an FHA-approved lender, per HUD.

**Summary:** Gina Concepcion (NMLS 1924460) is Branch Manager at think one mortgage inc, based in Ponte Vedra Beach, FL. Licensed in Florida, confirmed with the state regulator (license LO74976). Earliest state license record: September 29, 2020 (Florida), per state regulator. States 20 years of experience. Last verified 2026-10-15.

## Quick answers

### Is Gina licensed in Florida?

Yes. Florida regulator records list license LO74976 as active, first effective September 29, 2020 (verified 2026-10-15). Source: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip.

### What lender does Gina work for, and is it FHA-approved?

think one mortgage inc, company NMLS 125182, from the Ponte Vedra Beach, FL office, per the lender's own site (verified 2026-10-15). Works at an FHA-approved lender, per HUD (HUD FHA data, loans endorsed through Aug 2026). Source: https://thinkmtg.com/lo-gina-concepcion/.

### How long has Gina been licensed?

The earliest state license record LenDb holds for Gina is from September 29, 2020 (Florida regulator). That is a record date from the rosters we hold, not proof of continuous licensure. Gina states 20 years of experience. Source: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip.

## At a glance

- Earliest state license record: September 29, 2020 (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): 20 (source: https://thinkmtg.com/lo-gina-concepcion/, verified 2026-10-15)
- Also licensed as (state regulator records, same NMLS ID): Gina B. Concepcion (FL, as of 2026-10-09)
- Licensed in: Florida (FL, confirmed)
- 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 (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.)
- Profile: unclaimed
- Status: active

## Specialties

### Focus (officer level: their own bio, title, certification, specialty list or claim)

- None on file yet.

## Facts from the lender page and intro

- years_experience: 20. Source: https://thinkmtg.com/lo-gina-concepcion/, verified 2026-10-15.
- role: Licensed Real Estate Agent and Title Closer. Source: https://thinkmtg.com/lo-gina-concepcion/, verified 2026-10-15.

## Licenses

| State | Regulator | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|---|
| FL | Florida regulator | state_license | LO74976 | active | confirmed | 2020-09-29 | state_regulator | 2026-10-15 |

## Employment history

- ? to present: think one mortgage inc (NMLS 125182), Ponte Vedra Beach, FL. Source: https://thinkmtg.com/lo-gina-concepcion/, verified 2026-10-15.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1924460

## Contact

- View profile at think one mortgage inc: https://thinkmtg.com/lo-gina-concepcion/
- Office phone and Email on file: shown at https://lendb.ai/lo/gina-concepcion-1924460#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1924460
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip
- lender_site: https://thinkmtg.com/lo-gina-concepcion/
- HUD (FHA data): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot

Cite as: Gina Concepcion (NMLS 1924460), think one mortgage inc. LenDb.ai, https://lendb.ai/lo/gina-concepcion-1924460, last verified 2026-10-15.

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