---
canonical_url: https://lendb.ai/lo/joseph-luzzi-404525
json_url: https://lendb.ai/lo/joseph-luzzi-404525.json
nmls_id: 404525
last_verified: 2026-10-13
---

# Joe Luzzi

Vice President of Mortgage Lending at Mutual of Omaha Mortgage, West Warwick, RI. NMLS ID 404525 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/404525)).

**Summary:** Joe Luzzi (NMLS 404525) is Vice President of Mortgage Lending at Mutual of Omaha Mortgage, based in West Warwick, RI. Licensed in 2 states confirmed with state regulators: Florida and Texas. Earliest state license record: January 24, 2020 (Florida), per state regulator. Last verified 2026-10-13.

## At a glance

- Earliest state license record: January 24, 2020 (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), Texas (TX, confirmed)
- 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


## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO67292 | active | confirmed | 2020-01-24 | state_regulator | 2026-10-09 |
| TX | state_license | n/a | active | confirmed | 2021-09-30 | state_regulator | 2026-10-13 |

## Employment history

- ? to present: Mutual of Omaha Mortgage (NMLS 1025894), West Warwick, RI. Source: https://www.mutualmortgage.com/loan-officer/jluzzi/, 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/404525

## Contact

- View profile at Mutual of Omaha Mortgage: https://www.mutualmortgage.com/loan-officer/jluzzi/
- Email on file: shown at https://lendb.ai/lo/joseph-luzzi-404525#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/404525
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip
- state_regulator: https://www.sml.texas.gov/
- lender_site: https://www.mutualmortgage.com/loan-officer/jluzzi/

Cite as: Joe Luzzi (NMLS 404525), Mutual of Omaha Mortgage. LenDb.ai, https://lendb.ai/lo/joseph-luzzi-404525, last verified 2026-10-13.

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