{
  "canonical_url": "https://lendb.ai/lo/luis-terrazas-torres-1998050",
  "lede": {
    "text": "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.",
    "fields": [
      "full_name",
      "nmls_id",
      "title",
      "current_employment",
      "licenses",
      "earliest_license_record"
    ]
  },
  "quick_answers": [
    {
      "q": "Is Luis licensed in Florida?",
      "a": "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.",
      "fields": [
        "licenses"
      ],
      "source": "Florida state regulator",
      "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip",
      "verified_at": "2026-10-15"
    },
    {
      "q": "What lender does Luis work for?",
      "a": "Trident Home Loans, company NMLS 65716, from the Pensacola, FL office, per the lender's own site (verified 2026-10-15).",
      "fields": [
        "current_employment"
      ],
      "source": "lender site",
      "source_url": "https://tridenthomeloans.com/luis-terrazas/",
      "verified_at": "2026-10-15"
    },
    {
      "q": "How long has Luis been licensed?",
      "a": "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.",
      "fields": [
        "earliest_license_record"
      ],
      "source": "Florida state regulator",
      "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip",
      "verified_at": "2026-10-15"
    }
  ],
  "field_notes": {
    "languages": "Languages come only from the loan officer's own lender page, and most lender pages do not list languages. A language that is not listed means not stated, not that the loan officer does not speak it."
  },
  "loan_officer": {
    "nmls_id": 1998050,
    "slug": "luis-terrazas-torres-1998050",
    "canonical_url": "https://lendb.ai/lo/luis-terrazas-torres-1998050",
    "md_url": "https://lendb.ai/lo/luis-terrazas-torres-1998050.md",
    "json_url": "https://lendb.ai/lo/luis-terrazas-torres-1998050.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1998050",
    "full_name": {
      "value": "Luis Terrazas",
      "source": "state_regulator",
      "source_url": "https://tridenthomeloans.com/luis-terrazas/",
      "verified_at": "2026-10-15"
    },
    "first_name": "Luis",
    "last_name": "Terrazas",
    "licensed_names": [
      {
        "name": "Luis Terrazas Torres",
        "name_with_middle_initial": null,
        "first_name": "Luis",
        "middle_initial": null,
        "last_name": "Terrazas Torres",
        "states": [
          "AR",
          "CA",
          "FL"
        ],
        "source": "state_regulator",
        "as_of": "2026-10-22"
      }
    ],
    "headshot_url": {
      "value": "https://tridenthomeloans.com/wp-content/uploads/2023/06/MLO-Website-pics-600x600-4-450x450.png",
      "source": "state_regulator",
      "source_url": "https://tridenthomeloans.com/luis-terrazas/",
      "verified_at": "2026-10-15"
    },
    "bio": {
      "value": "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.",
      "source": "state_regulator",
      "source_url": "https://tridenthomeloans.com/luis-terrazas/",
      "verified_at": "2026-10-15"
    },
    "title": {
      "value": "Mortgage Loan Originator",
      "source": "state_regulator",
      "source_url": "https://tridenthomeloans.com/luis-terrazas/",
      "verified_at": "2026-10-15"
    },
    "languages": {
      "value": [],
      "source": "state_regulator",
      "source_url": "https://tridenthomeloans.com/luis-terrazas/",
      "verified_at": "2026-10-15"
    },
    "years_licensed": null,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 70,
    "current_employment": {
      "lender_nmls_id": 65716,
      "lender_name": "Trident Home Loans",
      "lender_slug": "trident-home-loans-65716",
      "branch_city": "Pensacola",
      "branch_state": "FL",
      "branch_zip": "32504",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://tridenthomeloans.com/luis-terrazas/",
      "lender_type": "imb",
      "source": "state_regulator",
      "source_url": "https://tridenthomeloans.com/luis-terrazas/",
      "verified_at": "2026-10-15"
    },
    "employment_history": [
      {
        "lender_nmls_id": 65716,
        "lender_name": "Trident Home Loans",
        "lender_slug": "trident-home-loans-65716",
        "branch_city": "Pensacola",
        "branch_state": "FL",
        "branch_zip": "32504",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://tridenthomeloans.com/luis-terrazas/",
        "lender_type": "imb",
        "source": "state_regulator",
        "source_url": "https://tridenthomeloans.com/luis-terrazas/",
        "verified_at": "2026-10-15"
      }
    ],
    "licenses": [
      {
        "state": "FL",
        "license_type": "state_license",
        "license_number": "LO73213",
        "status": "active",
        "issued_at": "2020-08-19",
        "source": "state_regulator",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip",
        "verified_at": "2026-10-15",
        "confidence": "confirmed",
        "regulator": "fl"
      },
      {
        "state": "TX",
        "license_type": "state_license",
        "license_number": null,
        "status": "active",
        "issued_at": "2025-09-09",
        "source": "state_regulator",
        "source_url": "https://www.sml.texas.gov/",
        "verified_at": "2026-10-13",
        "confidence": "confirmed",
        "regulator": "tx"
      },
      {
        "state": "AR",
        "license_type": "state_license",
        "license_number": null,
        "status": "active",
        "issued_at": null,
        "source": "state_regulator",
        "source_url": "https://securities.arkansas.gov/loans/nmls/",
        "verified_at": "2026-10-20",
        "confidence": "confirmed",
        "regulator": "ar"
      },
      {
        "state": "AL",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://tridenthomeloans.com/luis-terrazas/",
        "verified_at": "2026-10-15",
        "confidence": "lender_reported"
      },
      {
        "state": "CA",
        "license_type": "state_license",
        "license_number": "CA-DFPI1998050",
        "status": "active",
        "issued_at": "2021-04-22",
        "source": "state_regulator",
        "source_url": "https://dfpi.ca.gov/",
        "verified_at": "2026-10-24",
        "confidence": "confirmed",
        "regulator": "ca_dfpi",
        "regulator_name": "California Department of Financial Protection and Innovation"
      },
      {
        "state": "GA",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://tridenthomeloans.com/luis-terrazas/",
        "verified_at": "2026-10-15",
        "confidence": "lender_reported"
      },
      {
        "state": "MI",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://tridenthomeloans.com/luis-terrazas/",
        "verified_at": "2026-10-15",
        "confidence": "lender_reported"
      },
      {
        "state": "MN",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://tridenthomeloans.com/luis-terrazas/",
        "verified_at": "2026-10-15",
        "confidence": "lender_reported"
      },
      {
        "state": "UT",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://tridenthomeloans.com/luis-terrazas/",
        "verified_at": "2026-10-15",
        "confidence": "lender_reported"
      },
      {
        "state": "VA",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://tridenthomeloans.com/luis-terrazas/",
        "verified_at": "2026-10-15",
        "confidence": "lender_reported"
      },
      {
        "state": "WA",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://tridenthomeloans.com/luis-terrazas/",
        "verified_at": "2026-10-15",
        "confidence": "lender_reported"
      }
    ],
    "specialties": [],
    "lender_offers": [
      {
        "slug": "condo",
        "label": "Condo",
        "lender_nmls_id": 65716,
        "lender_name": "Trident Home Loans",
        "source": "lender_site",
        "source_url": "https://tridenthomeloans.com",
        "verified_at": "2026-10-15"
      },
      {
        "slug": "construction",
        "label": "Construction loan",
        "lender_nmls_id": 65716,
        "lender_name": "Trident Home Loans",
        "source": "lender_site",
        "source_url": "https://tridenthomeloans.com",
        "verified_at": "2026-10-15"
      },
      {
        "slug": "fha",
        "label": "FHA loan",
        "lender_nmls_id": 65716,
        "lender_name": "Trident Home Loans",
        "source": "lender_site",
        "source_url": "https://tridenthomeloans.com",
        "verified_at": "2026-10-15"
      },
      {
        "slug": "investor",
        "label": "Real estate investor",
        "lender_nmls_id": 65716,
        "lender_name": "Trident Home Loans",
        "source": "lender_site",
        "source_url": "https://tridenthomeloans.com",
        "verified_at": "2026-10-15"
      },
      {
        "slug": "jumbo",
        "label": "Jumbo loan",
        "lender_nmls_id": 65716,
        "lender_name": "Trident Home Loans",
        "source": "lender_site",
        "source_url": "https://tridenthomeloans.com",
        "verified_at": "2026-10-15"
      },
      {
        "slug": "low-credit",
        "label": "Low credit score",
        "lender_nmls_id": 65716,
        "lender_name": "Trident Home Loans",
        "source": "lender_site",
        "source_url": "https://tridenthomeloans.com",
        "verified_at": "2026-10-15"
      },
      {
        "slug": "renovation",
        "label": "Renovation loan (203k / HomeStyle)",
        "lender_nmls_id": 65716,
        "lender_name": "Trident Home Loans",
        "source": "lender_site",
        "source_url": "https://tridenthomeloans.com",
        "verified_at": "2026-10-15"
      },
      {
        "slug": "usda",
        "label": "USDA loan",
        "lender_nmls_id": 65716,
        "lender_name": "Trident Home Loans",
        "source": "lender_site",
        "source_url": "https://tridenthomeloans.com",
        "verified_at": "2026-10-15"
      },
      {
        "slug": "va",
        "label": "VA loan",
        "lender_nmls_id": 65716,
        "lender_name": "Trident Home Loans",
        "source": "lender_site",
        "source_url": "https://tridenthomeloans.com",
        "verified_at": "2026-10-15"
      },
      {
        "slug": "vacation-home",
        "label": "Vacation home",
        "lender_nmls_id": 65716,
        "lender_name": "Trident Home Loans",
        "source": "lender_site",
        "source_url": "https://tridenthomeloans.com",
        "verified_at": "2026-10-15"
      }
    ],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [],
    "last_verified_at": "2026-10-24",
    "updated_at": "2026-10-24 19:28:56.294761+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/luis-terrazas-torres-1998050#contact",
      "note": "Phone and email are shown on the profile page after a quick human check, one profile at a time. They are not available through the API or MCP. To reach this loan officer, open reveal_url or lender_profile_url.",
      "source": "lender_site",
      "source_url": "https://tridenthomeloans.com/luis-terrazas/",
      "verified_at": "2026-10-15"
    },
    "earliest_license_record": {
      "date": "2020-08-19",
      "state": "FL"
    },
    "licensed_since": {
      "year": 2020,
      "state": "FL"
    },
    "federal_registration": null
  }
}