---
canonical_url: https://lendb.ai/lo/ricardo-torres-255493
json_url: https://lendb.ai/lo/ricardo-torres-255493.json
nmls_id: 255493
last_verified: 2026-10-11
---

# Ricardo Torres

Area Sales Manager at CMG Home Loans, McAllen, TX. NMLS ID 255493 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/255493)).

**Summary:** Ricardo Torres (NMLS 255493) is Area Sales Manager at CMG Home Loans, based in McAllen, TX. Licensed in Florida, confirmed with the state regulator (license LO94428). Focus areas shown on the lender page: VA loan. Speaks Spanish. Earliest state license record: September 13, 2021 (Florida), per state regulator. States 27 years of experience. Last verified 2026-10-11.

## At a glance

- Earliest state license record: September 13, 2021 (Florida), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Years experience (stated by the LO): 27 (source: https://www.cmghomeloans.com/mysite/ricardo-torres, verified 2026-10-11)
- Licensed in: Florida (FL, confirmed)
- 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: Spanish
- Profile: unclaimed
- Status: active

## Specialties

- **VA loan** (`va`): lender page, confidence 0.80, verified 2026-10-11. Source: https://www.cmghomeloans.com/mysite/ricardo-torres

## About

Ricardo has helped homeowners with financing options for over 27 years and focuses on working with Veterans to use their home loan benefit to the fullest.

Source: LenDb summary of the lender page, verified 2026-10-11.

## Facts from the lender page and intro

- years_experience: 27. Source: https://www.cmghomeloans.com/mysite/ricardo-torres, verified 2026-10-11.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO94428 | active | confirmed | 2021-09-13 | state_regulator | 2026-10-09 |

## Employment history

- ? to present: CMG Home Loans (NMLS 1820), McAllen, TX. Source: https://www.cmghomeloans.com/mysite/ricardo-torres, verified 2026-10-11.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/255493

## Contact

- View profile at CMG Home Loans: https://www.cmghomeloans.com/mysite/ricardo-torres
- Office phone and Email on file: shown at https://lendb.ai/lo/ricardo-torres-255493#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/255493
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip
- lender_site: https://www.cmghomeloans.com/mysite/ricardo-torres

Cite as: Ricardo Torres (NMLS 255493), CMG Home Loans. LenDb.ai, https://lendb.ai/lo/ricardo-torres-255493, last verified 2026-10-11.

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