---
canonical_url: https://lendb.ai/lo/ricardo-leal-1458582
json_url: https://lendb.ai/lo/ricardo-leal-1458582.json
nmls_id: 1458582
last_verified: 2026-10-15
---

# Ricardo Leal

Branch Manager at think one mortgage inc, Warren, NJ. NMLS ID 1458582 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1458582)).

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.

**Summary:** Ricardo Leal (NMLS 1458582) is Branch Manager at think one mortgage inc, based in Warren, NJ. Lists New Jersey on the lender page (not yet checked with the state regulator). Earliest state license record: June 16, 2017 (Florida), per state regulator. Last verified 2026-10-15.

## 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: https://thinkmtg.com/lo-ricardo-leal/.

### 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: https://thinkmtg.com/lo-ricardo-leal/.

### 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: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip.

## At a glance

- Earliest state license record: June 16, 2017 (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): Ricardo B. Leal (FL, as of 2026-10-09)
- 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 | LO44466 | expired | confirmed | 2017-06-16 | 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), Warren, NJ. Source: https://thinkmtg.com/lo-ricardo-leal/, 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/1458582

## Contact

- View profile at think one mortgage inc: https://thinkmtg.com/lo-ricardo-leal/
- Office phone and Email on file: shown at https://lendb.ai/lo/ricardo-leal-1458582#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1458582
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip
- lender_site: https://thinkmtg.com/lo-ricardo-leal/
- HUD (FHA data): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot

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

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