---
canonical_url: https://lendb.ai/lo/justin-kelly-320304
json_url: https://lendb.ai/lo/justin-kelly-320304.json
nmls_id: 320304
last_verified: 2026-10-15
---

# Justin Kelly

Branch Manager at Top Flite Financial, Inc., Tampa, FL. NMLS ID 320304 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/320304)).

**Summary:** Justin Kelly (NMLS 320304) is Branch Manager at Top Flite Financial, Inc., based in Tampa, FL. Licensed in 2 states confirmed with state regulators: Florida and Texas. Also lists Georgia, Maryland, Michigan, North Carolina, Tennessee and Wisconsin on the lender page (not yet checked with the state regulator). Earliest state license record: April 7, 2011 (Florida), per state regulator. Last verified 2026-10-15.

## At a glance

- Earliest state license record: April 7, 2011 (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), Georgia (GA, lender_reported), Maryland (MD, lender_reported), Michigan (MI, lender_reported), North Carolina (NC, lender_reported), Tennessee (TN, lender_reported), Wisconsin (WI, 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 | LO5165 | active | confirmed | 2011-04-07 | state_regulator | 2026-10-15 |
| TX | state_license | n/a | active | confirmed | 2012-11-29 | state_regulator | 2026-10-13 |
| NY | state_license | n/a | expired | confirmed |  | state_regulator | 2026-10-14 |
| GA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-15 |
| MD | 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 |
| TN | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-15 |
| WI | 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/justin/, 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/320304

## Contact

- View profile at Top Flite Financial, Inc.: https://tfhomeloans.com/Loan-Officers/justin/
- Office phone and Email on file: shown at https://lendb.ai/lo/justin-kelly-320304#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/320304
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip
- state_regulator: https://www.sml.texas.gov/
- state_regulator: https://www.dfs.ny.gov/
- lender_site: https://tfhomeloans.com/Loan-Officers/justin/
- HUD (FHA data): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot

Cite as: Justin Kelly (NMLS 320304), Top Flite Financial, Inc.. LenDb.ai, https://lendb.ai/lo/justin-kelly-320304, last verified 2026-10-15.

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