---
canonical_url: https://lendb.ai/lo/ian-toste-garcia-832921
json_url: https://lendb.ai/lo/ian-toste-garcia-832921.json
nmls_id: 832921
last_verified: 2026-10-09
---

# Ian Toste Garcia

Senior Home Lending Advisor at JPMorgan Chase Bank (Chase Home Lending), Saint Cloud, FL. NMLS ID 832921 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/832921)).

**Summary:** Ian Toste Garcia (NMLS 832921) is Senior Home Lending Advisor at JPMorgan Chase Bank (Chase Home Lending), based in Saint Cloud, FL. Works at a bank, so likely federally registered: Federally registered MLOs aren't state-licensed; verify at NMLS. Focus areas shown on the lender page: VA loan, FHA loan, Jumbo loan and First-time buyer. Speaks Spanish. Earliest state license record: November 15, 2024 (Florida), per state regulator. Last verified 2026-10-09.

## At a glance

- Earliest state license record: November 15, 2024 (Florida), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Licensed in: no license list on file; check NMLS Consumer Access
- Federal registration: likely (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS.
- 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: Spanish
- Profile: unclaimed
- Status: active

## Specialties

- **VA loan** (`va`): lender page, confidence 0.46, verified 2026-10-09. Source: https://homelendingadvisor.chase.com/fl/saint-cloud/4355-13th-st-hla-832921
- **FHA loan** (`fha`): lender page, confidence 0.43, verified 2026-10-09. Source: https://homelendingadvisor.chase.com/fl/saint-cloud/4355-13th-st-hla-832921
- **Jumbo loan** (`jumbo`): lender page, confidence 0.14, verified 2026-10-09. Source: https://homelendingadvisor.chase.com/fl/saint-cloud/4355-13th-st-hla-832921
- **First-time buyer** (`first-time-buyer`): lender page, confidence 0.10, verified 2026-10-09. Source: https://homelendingadvisor.chase.com/fl/saint-cloud/4355-13th-st-hla-832921

## About

Ian has 10 years of experience as a Senior Home Lending Advisor, speaks Spanish fluently, and specializes in preapproval, fixed-rate mortgages, FHA and VA mortgages, first-time homebuyer programs, and jumbo mortgages.

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

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO133284 | expired | confirmed | 2024-11-15 | state_regulator | 2026-10-09 |

## Employment history

- ? to present: JPMorgan Chase Bank (Chase Home Lending) (NMLS 399798), Saint Cloud, FL. Source: https://homelendingadvisor.chase.com/fl/saint-cloud/4355-13th-st-hla-832921, 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/832921

## Contact

- View profile at JPMorgan Chase Bank (Chase Home Lending): https://homelendingadvisor.chase.com/fl/saint-cloud/4355-13th-st-hla-832921
- Office phone and Email on file: shown at https://lendb.ai/lo/ian-toste-garcia-832921#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/832921
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip
- lender_site: https://homelendingadvisor.chase.com/fl/saint-cloud/4355-13th-st-hla-832921

Cite as: Ian Toste Garcia (NMLS 832921), JPMorgan Chase Bank (Chase Home Lending). LenDb.ai, https://lendb.ai/lo/ian-toste-garcia-832921, last verified 2026-10-09.

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