--- canonical_url: https://lendb.ai/lo/luis-terrazas-torres-1998050 json_url: https://lendb.ai/lo/luis-terrazas-torres-1998050.json nmls_id: 1998050 last_verified: 2026-10-24 --- # Luis Terrazas Mortgage Loan Originator at Trident Home Loans, Pensacola, FL. NMLS ID 1998050 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1998050)). 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. **Summary:** Luis Terrazas (NMLS 1998050) is Mortgage Loan Originator at Trident Home Loans, based in Pensacola, FL. Licensed in 4 states confirmed with state regulators: Florida, Texas, Arkansas and California. Also lists Alabama, Georgia, Michigan, Minnesota, Utah, Virginia and Washington on the lender page (not yet checked with the state regulator). Trident Home Loans also offers Condo, Construction loan, FHA loan, Real estate investor and Jumbo loan and 5 more (a lender program, not confirmed as their own focus). Earliest state license record: August 19, 2020 (Florida), per state regulator. Last verified 2026-10-24. ## 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: https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip. ### 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: https://tridenthomeloans.com/luis-terrazas/. ### 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: https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip. ## At a glance - Earliest state license record: August 19, 2020 (Florida), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience. - Also licensed as (state regulator records, same NMLS ID): Luis Terrazas Torres (AR, CA, FL, as of 2026-10-22) - Licensed in: Florida (FL, confirmed), Texas (TX, confirmed), Arkansas (AR, confirmed), Alabama (AL, lender_reported), California (CA DFPI, confirmed), Georgia (GA, lender_reported), Michigan (MI, lender_reported), Minnesota (MN, lender_reported), Utah (UT, lender_reported), Virginia (VA, lender_reported), Washington (WA, lender_reported) - 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 (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.) - Profile: unclaimed - Status: active ## Specialties ### Focus (officer level: their own bio, title, certification, specialty list or claim) - None on file yet. ### Their lender offers (lender level: Trident Home Loans's programs, not confirmed as this person's focus) - **Condo** (`condo`): verified 2026-10-15. Source: https://tridenthomeloans.com - **Construction loan** (`construction`): verified 2026-10-15. Source: https://tridenthomeloans.com - **FHA loan** (`fha`): verified 2026-10-15. Source: https://tridenthomeloans.com - **Real estate investor** (`investor`): verified 2026-10-15. Source: https://tridenthomeloans.com - **Jumbo loan** (`jumbo`): verified 2026-10-15. Source: https://tridenthomeloans.com - **Low credit score** (`low-credit`): verified 2026-10-15. Source: https://tridenthomeloans.com - **Renovation loan (203k / HomeStyle)** (`renovation`): verified 2026-10-15. Source: https://tridenthomeloans.com - **USDA loan** (`usda`): verified 2026-10-15. Source: https://tridenthomeloans.com - **VA loan** (`va`): verified 2026-10-15. Source: https://tridenthomeloans.com - **Vacation home** (`vacation-home`): verified 2026-10-15. Source: https://tridenthomeloans.com ## 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. Source: LenDb summary of the lender page, verified 2026-10-15. ## Licenses | State | Regulator | Type | Number | Status | Confidence | Issued | Source | Verified | |---|---|---|---|---|---|---|---|---| | FL | Florida regulator | state_license | LO73213 | active | confirmed | 2020-08-19 | state_regulator | 2026-10-15 | | TX | Texas regulator | state_license | n/a | active | confirmed | 2025-09-09 | state_regulator | 2026-10-13 | | AR | Arkansas regulator | state_license | n/a | active | confirmed | | state_regulator | 2026-10-20 | | AL | | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-15 | | CA | California Department of Financial Protection and Innovation | state_license | CA-DFPI1998050 | active | confirmed | 2021-04-22 | state_regulator | 2026-10-24 | | GA | | 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 | | UT | | 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: Trident Home Loans (NMLS 65716), Pensacola, FL. Source: https://tridenthomeloans.com/luis-terrazas/, 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/1998050 ## Contact - View profile at Trident Home Loans: https://tridenthomeloans.com/luis-terrazas/ - Office phone and Email on file: shown at https://lendb.ai/lo/luis-terrazas-torres-1998050#contact after a quick human check (not available in this file, the API or MCP). ## Sources - nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1998050 - state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip - state_regulator: https://www.sml.texas.gov/ - state_regulator: https://securities.arkansas.gov/loans/nmls/ - lender_site: https://tridenthomeloans.com/luis-terrazas/ - state_regulator: https://dfpi.ca.gov/ - lender_site (lender programs): https://tridenthomeloans.com Cite as: Luis Terrazas (NMLS 1998050), Trident Home Loans. LenDb.ai, https://lendb.ai/lo/luis-terrazas-torres-1998050, last verified 2026-10-24. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._