Ricardo Leal

Branch Manager at think one mortgage inc · Warren, NJ

NMLS ID 1458582 (opens in a new tab) · verify at NMLS Consumer Access

Based in Warren, New Jersey, Ricardo Leal (NMLS 1458582) is a Branch Manager at think one mortgage inc, serving New Jersey. Ricardo works at an FHA-approved lender, per HUD.

Last verified . Sources: think one mortgage inc (thinkmtg.com), Florida state regulator and NMLS Consumer Access (license status, check live).

Quick answers

Is Ricardo licensed in New Jersey?
think one mortgage inc's page for Ricardo lists New Jersey. LenDb has not checked it with the state regulator yet, so verify at NMLS Consumer Access.
Source: lender page (opens in a new tab)
What lender does Ricardo work for, and is it FHA-approved?
think one mortgage inc, company NMLS 125182, from the Warren, 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: lender site; HUD (opens in a new tab)
How long has Ricardo been licensed?
The earliest state license record LenDb holds for Ricardo is from June 16, 2017 (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.

    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

    AKMEVTNHWAIDMTNDMNILWIMINYMARIORNVWYSDIAINOHPANJCTCAUTCONEMOKYWVVAMDDEAZNMKSARTNNCSCDCOKLAMSALGAHITXFL

    New Jersey

    Lender-reported: NJ is listed on the lender page, not yet checked with the state regulator.

    Regulator records not active: FL (expired).

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    Employment history

    1. think one mortgage inc NMLS 125182

      Current · Warren, NJ · 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).

    Sources

    Name and employerlender site · thinkmtg.com (opens in a new tab)verified 2026-10-15
    Licenses (regulator)state regulator · real.flofr.com (opens in a new tab)verified 2026-10-15
    Licensed stateslender site · thinkmtg.com (opens in a new tab)verified 2026-10-15
    Contactlender site · thinkmtg.com (opens in a new tab)verified 2026-10-15
    License statusNMLS Consumer Access (opens in a new tab)check live

    Also available as Markdown, JSON, or via the API.

    Cite as: Ricardo Leal (NMLS 1458582), think one mortgage inc. LenDb.ai, https://lendb.ai/lo/ricardo-leal-1458582, last verified 2026-10-15.

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