---
canonical_url: https://lendb.ai/lo/john-tobias-1715982
json_url: https://lendb.ai/lo/john-tobias-1715982.json
nmls_id: 1715982
last_verified: 2026-10-15
---

# John Tobias

Mortgage Loan Officer at Top Flite Financial, Inc., Richmond Heights, MO. NMLS ID 1715982 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1715982)).

**Summary:** John Tobias (NMLS 1715982) is Mortgage Loan Officer at Top Flite Financial, Inc., based in Richmond Heights, MO. Lists Arizona, California, Georgia, Massachusetts and Maine on the lender page (not yet checked with the state regulator). Earliest state license record: March 23, 2018 (Florida), per state regulator. Last verified 2026-10-15.

## At a glance

- Earliest state license record: March 23, 2018 (Florida), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Licensed in: Arizona (AZ, lender_reported), California (CA, lender_reported), Georgia (GA, lender_reported), Massachusetts (MA, lender_reported), Maine (ME, 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 | LO51933 | expired | confirmed | 2018-03-23 | state_regulator | 2026-10-15 |
| AZ | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-15 |
| CA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-15 |
| GA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-15 |
| MA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-15 |
| ME | 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), Richmond Heights, MO. Source: https://tfhomeloans.com/Loan-Officers/john-tobias/, 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/1715982

## Contact

- View profile at Top Flite Financial, Inc.: https://tfhomeloans.com/Loan-Officers/john-tobias/
- Office phone and Email on file: shown at https://lendb.ai/lo/john-tobias-1715982#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1715982
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip
- lender_site: https://tfhomeloans.com/Loan-Officers/john-tobias/
- HUD (FHA data): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot

Cite as: John Tobias (NMLS 1715982), Top Flite Financial, Inc.. LenDb.ai, https://lendb.ai/lo/john-tobias-1715982, last verified 2026-10-15.

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