---
canonical_url: https://lendb.ai/lo/luis-toro-2010423
json_url: https://lendb.ai/lo/luis-toro-2010423.json
nmls_id: 2010423
last_verified: 2026-10-15
---

# Luis Toro

Loan Officer at think one mortgage inc, Denville, NJ. NMLS ID 2010423 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2010423)).

Luis Toro (NMLS 2010423) is a Loan Officer at think one mortgage inc in Denville, New Jersey, serving New Jersey. Luis works at an FHA-approved lender, per HUD.

**Summary:** Luis Toro (NMLS 2010423) is Loan Officer at think one mortgage inc, based in Denville, NJ. Lists New Jersey on the lender page (not yet checked with the state regulator). Earliest state license record: March 4, 2024 (Florida), per state regulator. Last verified 2026-10-15.

## Quick answers

### Is Luis licensed in New Jersey?

think one mortgage inc's page for Luis lists New Jersey. LenDb has not checked it with the state regulator yet, so verify at NMLS Consumer Access. Source: https://thinkmtg.com/lo-luis-toro/.

### What lender does Luis work for, and is it FHA-approved?

think one mortgage inc, company NMLS 125182, from the Denville, NJ office, per the lender's own site (verified 2026-10-15). Works at an FHA-approved lender, per HUD (HUD FHA data, loans endorsed through Aug 2026). Source: https://thinkmtg.com/lo-luis-toro/.

### How long has Luis been licensed?

The earliest state license record LenDb holds for Luis is from March 4, 2024 (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: March 4, 2024 (Florida), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Licensed in: New Jersey (NJ, 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 (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.

## Licenses

| State | Regulator | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|---|
| FL | Florida regulator | state_license | LO126538 | expired | confirmed | 2024-03-04 | state_regulator | 2026-10-15 |
| NJ |  | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-15 |

## Employment history

- ? to present: think one mortgage inc (NMLS 125182), Denville, NJ. Source: https://thinkmtg.com/lo-luis-toro/, 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/2010423

## Contact

- View profile at think one mortgage inc: https://thinkmtg.com/lo-luis-toro/
- Office phone and Email on file: shown at https://lendb.ai/lo/luis-toro-2010423#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2010423
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip
- lender_site: https://thinkmtg.com/lo-luis-toro/
- HUD (FHA data): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot

Cite as: Luis Toro (NMLS 2010423), think one mortgage inc. LenDb.ai, https://lendb.ai/lo/luis-toro-2010423, last verified 2026-10-15.

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