--- canonical_url: https://lendb.ai/lo/kristin-macaluso-50019 json_url: https://lendb.ai/lo/kristin-macaluso-50019.json nmls_id: 50019 last_verified: 2026-10-15 --- # Kristin Macaluso Senior Loan Advisor at Top Flite Financial, Inc., Pittsburgh, PA. NMLS ID 50019 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/50019)). **Summary:** Kristin Macaluso (NMLS 50019) is Senior Loan Advisor at Top Flite Financial, Inc., based in Pittsburgh, PA. Licensed in 3 states confirmed with state regulators: Florida, Connecticut and Louisiana. Also lists Alabama, Arkansas, Arizona, Colorado, Georgia, Idaho, Indiana, Kansas and 12 more on the lender page (not yet checked with the state regulator). Earliest state license record: April 29, 2026 (Florida), per state regulator. Last verified 2026-10-15. ## At a glance - Earliest state license record: April 29, 2026 (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), Alabama (AL, lender_reported), Arkansas (AR, lender_reported), Arizona (AZ, lender_reported), Colorado (CO, lender_reported), Connecticut (CT, confirmed), Georgia (GA, lender_reported), Idaho (ID, lender_reported), Indiana (IN, lender_reported), Kansas (KS, lender_reported), Kentucky (KY, lender_reported), Louisiana (LA, confirmed), Maryland (MD, lender_reported), Maine (ME, lender_reported), Michigan (MI, lender_reported), Minnesota (MN, lender_reported), Missouri (MO, lender_reported), North Carolina (NC, lender_reported), Ohio (OH, lender_reported), Oregon (OR, lender_reported), Tennessee (TN, lender_reported), Virginia (VA, lender_reported), Washington (WA, 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 | LO147321 | active | confirmed | 2026-04-29 | state_regulator | 2026-10-15 | | AL | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-15 | | AR | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-15 | | AZ | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-15 | | CO | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-15 | | CT | state_license | LO-50019 | active | confirmed | | state_regulator | 2026-10-15 | | GA | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-15 | | ID | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-15 | | IN | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-15 | | KS | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-15 | | KY | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-15 | | LA | state_license | n/a | active | confirmed | | state_regulator | 2026-10-15 | | MD | 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 | | MI | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-15 | | MN | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-15 | | MO | 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 | | OH | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-15 | | OR | 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 | | VA | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-15 | | WA | 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), Pittsburgh, PA. Source: https://tfhomeloans.com/Loan-Officers/kmacaluso/, 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/50019 ## Contact - View profile at Top Flite Financial, Inc.: https://tfhomeloans.com/Loan-Officers/kmacaluso/ - Office phone and Email on file: shown at https://lendb.ai/lo/kristin-macaluso-50019#contact after a quick human check (not available in this file, the API or MCP). ## Sources - nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/50019 - state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip - lender_site: https://tfhomeloans.com/Loan-Officers/kmacaluso/ - state_regulator: https://portal.ct.gov/dob/consumer-credit-licenses/consumer-credit-licenses/mortgage-loan-originators-licensed-in-connecticut - state_regulator: https://ofi.la.gov/non-depository/residential-mortgage-lending/originators-by-lender/ - HUD (FHA data): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot Cite as: Kristin Macaluso (NMLS 50019), Top Flite Financial, Inc.. LenDb.ai, https://lendb.ai/lo/kristin-macaluso-50019, last verified 2026-10-15. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._