---
canonical_url: https://lendb.ai/lo/james-marcinkowski-182565
json_url: https://lendb.ai/lo/james-marcinkowski-182565.json
nmls_id: 182565
last_verified: 2026-10-15
---

# James Marcinkowski

Loan Officer at Top Flite Financial, Inc., Tampa, FL. NMLS ID 182565 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/182565)).

**Summary:** James Marcinkowski (NMLS 182565) is Loan Officer at Top Flite Financial, Inc., based in Tampa, FL. Licensed in Florida, confirmed with the state regulator (license LO12). Also lists Georgia, Illinois, Michigan and North Carolina on the lender page (not yet checked with the state regulator). Earliest state license record: October 21, 2010 (Florida), per state regulator. Last verified 2026-10-15.

## At a glance

- Earliest state license record: October 21, 2010 (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), Illinois (IL, lender_reported), Michigan (MI, lender_reported), North Carolina (NC, 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.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO12 | active | confirmed | 2010-10-21 | state_regulator | 2026-10-15 |
| GA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-15 |
| IL | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-15 |
| MI | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-15 |
| NC | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-15 |

## Employment history

- ? to present: Top Flite Financial, Inc. (NMLS 4181), Tampa, FL. Source: https://tfhomeloans.com/Loan-Officers/james-marcinkowski/, 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/182565

## Contact

- View profile at Top Flite Financial, Inc.: https://tfhomeloans.com/Loan-Officers/james-marcinkowski/
- Office phone and Email on file: shown at https://lendb.ai/lo/james-marcinkowski-182565#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/182565
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip
- lender_site: https://tfhomeloans.com/Loan-Officers/james-marcinkowski/
- HUD (FHA data): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot

Cite as: James Marcinkowski (NMLS 182565), Top Flite Financial, Inc.. LenDb.ai, https://lendb.ai/lo/james-marcinkowski-182565, last verified 2026-10-15.

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