---
canonical_url: https://lendb.ai/lo/lucas-chiddister-2176354
json_url: https://lendb.ai/lo/lucas-chiddister-2176354.json
nmls_id: 2176354
last_verified: 2026-10-15
---

# Lucas Chiddister

Area Manager at Top Flite Financial, Inc., Orlando, FL. NMLS ID 2176354 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2176354)).

**Summary:** Lucas Chiddister (NMLS 2176354) is Area Manager at Top Flite Financial, Inc., based in Orlando, FL. Licensed in Florida, confirmed with the state regulator (license LO95263). Also lists Indiana on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: Non-QM loan, First-time buyer and Real estate investor. Earliest state license record: September 28, 2021 (Florida), per state regulator. States 4 years of experience. Last verified 2026-10-15.

## At a glance

- Earliest state license record: September 28, 2021 (Florida), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Years experience (stated by the LO): 4 (source: https://tfhomeloans.com/Loan-Officers/lchiddister/, verified 2026-10-15)
- Licensed in: Florida (FL, confirmed), Indiana (IN, 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)

- **Non-QM loan** (`non-qm`): from their lender profile page, confidence 0.90, verified 2026-10-15. Source: https://tfhomeloans.com/Loan-Officers/lchiddister/
- **First-time buyer** (`first-time-buyer`): from their lender profile page, confidence 0.60, verified 2026-10-15. Source: https://tfhomeloans.com/Loan-Officers/lchiddister/
- **Real estate investor** (`investor`): from their lender profile page, confidence 0.60, verified 2026-10-15. Source: https://tfhomeloans.com/Loan-Officers/lchiddister/

## About

Lucas Chiddister has helped clients for over four years. Their profile says they specialize in traditional and Non-QM loans for first-time homebuyers, families and real estate investors. They serve Central Florida and are licensed in Indiana and Florida.

Source: LenDb summary of the lender page, verified 2026-10-15.

## Facts from the lender page and intro

- years_experience: 4. Source: https://tfhomeloans.com/Loan-Officers/lchiddister/, verified 2026-10-15.
- service_area: Central Florida. Source: https://tfhomeloans.com/Loan-Officers/lchiddister/, verified 2026-10-15.
- community: Volunteers at their kids' schools and gives back to the community. Source: https://tfhomeloans.com/Loan-Officers/lchiddister/, verified 2026-10-15.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO95263 | active | confirmed | 2021-09-28 | state_regulator | 2026-10-15 |
| IN | 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), Orlando, FL. Source: https://tfhomeloans.com/Loan-Officers/lchiddister/, 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/2176354

## Contact

- View profile at Top Flite Financial, Inc.: https://tfhomeloans.com/Loan-Officers/lchiddister/
- Office phone and Email on file: shown at https://lendb.ai/lo/lucas-chiddister-2176354#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2176354
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip
- lender_site: https://tfhomeloans.com/Loan-Officers/lchiddister/
- HUD (FHA data): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot

Cite as: Lucas Chiddister (NMLS 2176354), Top Flite Financial, Inc.. LenDb.ai, https://lendb.ai/lo/lucas-chiddister-2176354, last verified 2026-10-15.

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