---
canonical_url: https://lendb.ai/lo/luis-todd-2232620
json_url: https://lendb.ai/lo/luis-todd-2232620.json
nmls_id: 2232620
last_verified: 2026-10-09
---

# Luis Todd

Loan Officer at Guild Mortgage, Vero Beach, FL. NMLS ID 2232620 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2232620)).

**Summary:** Luis Todd (NMLS 2232620) is Loan Officer at Guild Mortgage, based in Vero Beach, FL. Licensed in Florida, confirmed with the state regulator (license LO104894). Also lists New Jersey on the lender page (not yet checked with the state regulator). Licensed since 2022 (per Florida records). Last verified 2026-10-09.

## At a glance

- Licensed since 2022 (per Florida records). This is license history on file, not total experience.
- Licensed in: Florida (FL, confirmed), New Jersey (NJ, 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
- Profile: unclaimed
- Status: active

## Specialties


## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO104894 | active | confirmed | 2022-03-28 | state_regulator | 2026-10-09 |
| NJ | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: Guild Mortgage (NMLS 3274), Vero Beach, FL. Source: https://branches.guildmortgage.com/fl/verobeach/luis-todd-333-tnlt.html, verified 2026-10-09.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2232620

## Contact

- View profile at Guild Mortgage: https://branches.guildmortgage.com/fl/verobeach/luis-todd-333-tnlt.html
- Office phone and Email on file: shown at https://lendb.ai/lo/luis-todd-2232620#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2232620
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip
- lender_site: https://branches.guildmortgage.com/fl/verobeach/luis-todd-333-tnlt.html

Cite as: Luis Todd (NMLS 2232620), Guild Mortgage. LenDb.ai, https://lendb.ai/lo/luis-todd-2232620, last verified 2026-10-09.

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