Luis Terrazas
Mortgage Loan Originator at Trident Home Loans · Pensacola, FL
NMLS ID 1998050 (opens in a new tab) · verify at NMLS Consumer Access
Based in Pensacola, Florida, Luis Terrazas (NMLS 1998050) is a Mortgage Loan Originator at Trident Home Loans, licensed in Florida since 2020 and in Texas, Arkansas and California.
Last verified . Sources: Trident Home Loans (tridenthomeloans.com), Florida state regulator, Texas state regulator, Arkansas state regulator, California state regulator and NMLS Consumer Access (license status, check live). Licensed as Luis Terrazas Torres (Arkansas, California and Florida regulators).
- Earliest state license record: August 19, 2020 (Florida), per state regulator
- 11 states
- Unclaimed profile
- Disciplinary history not yet checked
Quick answers
- Is Luis licensed in Florida?
- Yes. Florida regulator records list license LO73213 as active, first effective August 19, 2020 (verified 2026-10-15). LenDb has 10 other states on file for Luis.
- Source: Florida state regulator (opens in a new tab)
- What lender does Luis work for?
- Trident Home Loans, company NMLS 65716, from the Pensacola, FL office, per the lender's own site (verified 2026-10-15).
- Source: lender site (opens in a new tab)
- How long has Luis been licensed?
- The earliest state license record LenDb holds for Luis is from August 19, 2020 (Florida regulator). That is a record date from the rosters we hold, not proof of continuous licensure.
- Source: Florida state regulator (opens in a new tab)
Specialties
Focus
No focus listed on their lender page yet.
Their lender offers
Condo, Construction loan, FHA loan, Real estate investor, Jumbo loan, Low credit score, Renovation loan (203k / HomeStyle), USDA loan, VA loan and Vacation home. Programs Trident Home Loans offers (verified 2026-10-15). Lender-level: not confirmed as Luis's own focus, so ask.
Focus is the loan officer's own: their bio, title, a certification or their own specialty list on their lender page, or what they report. Programs their lender offers are listed separately and never count as their focus in search.
Licensed states
Florida, Texas, Arkansas, Alabama, California, Georgia, Michigan, Minnesota, Utah, Virginia, Washington
✓ Confirmed with the state regulator: FL (opens in a new tab) (LO73213, first effective 2020-08-19), TX (opens in a new tab), AR (opens in a new tab), CA DFPI (opens in a new tab) (CA-DFPI1998050, first effective 2021-04-22), verified 2026-10-15.
Lender-reported: AL, GA, MI, MN, UT, VA, WA are listed on the lender page, not yet checked with the state regulator.
Contact
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Employment history
Trident Home Loans NMLS 65716
Current · Pensacola, FL · seen on lender site 2026-10-15
Disciplinary history
Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access (opens in a new tab).
About
Luis is a full-time airline pilot who works as a part-time loan officer. They enjoy playing drums in their spare time and say they like meeting new people.
Our summary of the lender page. Verified 2026-10-15.
Sources
| Name and employer | state regulator · tridenthomeloans.com (opens in a new tab) | verified 2026-10-15 |
| Licenses (regulator) | state regulator · dfpi.ca.gov (opens in a new tab) | verified 2026-10-24 |
| Licensed states | lender site · tridenthomeloans.com (opens in a new tab) | verified 2026-10-15 |
| Lender programs | lender site · tridenthomeloans.com (opens in a new tab) | verified 2026-10-15 |
| Summary | state regulator · tridenthomeloans.com (opens in a new tab) | verified 2026-10-15 |
| Contact | lender site · tridenthomeloans.com (opens in a new tab) | verified 2026-10-15 |
| Photo | state regulator · tridenthomeloans.com (opens in a new tab) | verified 2026-10-15 |
| License status | NMLS Consumer Access (opens in a new tab) | check live |
Also available as Markdown, JSON, or via the API.
Cite as: Luis Terrazas (NMLS 1998050), Trident Home Loans. LenDb.ai, https://lendb.ai/lo/luis-terrazas-torres-1998050, last verified 2026-10-24.
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Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.