--- canonical_url: https://lendb.ai/lo/santo-lupo-1731228 json_url: https://lendb.ai/lo/santo-lupo-1731228.json nmls_id: 1731228 last_verified: 2026-10-28 --- # Santo Lupo Loan officer at ZOOM HOME LENDING LLC. NMLS ID 1731228 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1731228)). Santo Lupo (NMLS 1731228) is a mortgage loan officer at ZOOM HOME LENDING LLC, licensed in Texas since 2018 and in Florida, Connecticut, Louisiana and 8 more states. **Summary:** Santo Lupo (NMLS 1731228) is a loan officer at ZOOM HOME LENDING LLC. Licensed in 12 states confirmed with state regulators: Florida, Texas, Connecticut, Louisiana, Arkansas, Iowa, Oregon, Wisconsin and 4 more. Earliest state license record: June 3, 2018 (Texas), per state regulator. Last verified 2026-10-28. ## Quick answers ### Is Santo licensed in Florida? Yes. Florida regulator records list license LO122137 as active, first effective August 9, 2023 (verified 2026-10-15). LenDb has 11 other states on file for Santo. Source: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip. ### What lender does Santo work for? ZOOM HOME LENDING LLC, company NMLS 2620616, per the lender's own site (verified 2026-10-13). Source: https://www.sml.texas.gov/. ### How long has Santo been licensed? The earliest state license record LenDb holds for Santo is from June 3, 2018 (Texas regulator). That is a record date from the rosters we hold, not proof of continuous licensure. Source: https://www.sml.texas.gov/. ## At a glance - Earliest state license record: June 3, 2018 (Texas), 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): Santo A. Lupo (AR, CA, CT, FL, IA, LA, MD, NY, OR, TX, WY, as of 2026-10-27) - Licensed in: Florida (FL, confirmed), Texas (TX, confirmed), Connecticut (CT, confirmed), Louisiana (LA, confirmed), Arkansas (AR, confirmed), Iowa (IA, confirmed), Oregon (OR, confirmed), Wisconsin (WI, confirmed), California (CA DFPI, confirmed), Maryland (MD, confirmed), Wyoming (WY, confirmed), Illinois (IL, 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: 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 | LO122137 | active | confirmed | 2023-08-09 | state_regulator | 2026-10-15 | | TX | Texas regulator | state_license | n/a | active | confirmed | 2018-06-03 | state_regulator | 2026-10-13 | | NY | New York regulator | state_license | n/a | expired | confirmed | | state_regulator | 2026-10-14 | | CT | Connecticut regulator | state_license | LO-1731228 | active | confirmed | | state_regulator | 2026-10-15 | | LA | Louisiana regulator | state_license | n/a | active | confirmed | | state_regulator | 2026-10-15 | | AR | Arkansas regulator | state_license | n/a | active | confirmed | | state_regulator | 2026-10-20 | | IA | Iowa regulator | state_license | 52762 | active | confirmed | 2024-10-02 | state_regulator | 2026-10-20 | | OR | Oregon regulator | state_license | 1731228 | active | confirmed | 2023-07-19 | state_regulator | 2026-10-20 | | WI | Wisconsin regulator | state_license | 1731228 | active | confirmed | 2024-11-08 | state_regulator | 2026-10-21 | | CA | California Department of Financial Protection and Innovation | state_license | CA-DFPI1731228 | active | confirmed | 2024-06-13 | state_regulator | 2026-10-24 | | MD | Maryland regulator | state_license | n/a | active | confirmed | | state_regulator | 2026-10-26 | | WY | Wyoming regulator | state_license | 109202 | active | confirmed | 2025-09-24 | state_regulator | 2026-10-27 | | IL | Illinois regulator | state_license | 31.0087040 | active | confirmed | 2024-10-04 | state_regulator | 2026-10-28 | ## Employment history - ? to present: ZOOM HOME LENDING LLC (NMLS 2620616). Source: https://www.sml.texas.gov/, verified 2026-10-13. ## Disciplinary history Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1731228 ## Contact ## Sources - nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1731228 - state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip - state_regulator: https://www.sml.texas.gov/ - state_regulator: https://www.dfs.ny.gov/ - state_regulator: https://portal.ct.gov/dob/consumer-credit-licenses/consumer-credit-licenses/mortgage-loan-originators-licensed-in-connecticut - state_regulator: https://ofi.la.gov/non-depository/residential-mortgage-lending/originators-by-lender/ - state_regulator: https://securities.arkansas.gov/loans/nmls/ - state_regulator: https://idob.iowa.gov/ - state_regulator: https://dfr.oregon.gov/ - state_regulator: https://dfi.wi.gov/Pages/BusinessServices/MortgageBanking/ - state_regulator: https://dfpi.ca.gov/ - state_regulator: https://www.labor.maryland.gov/finance/ - state_regulator: https://wyomingbankingdivision.wyo.gov/ - state_regulator: https://idfpr.illinois.gov/banks/resfin.html Cite as: Santo Lupo (NMLS 1731228), ZOOM HOME LENDING LLC. LenDb.ai, https://lendb.ai/lo/santo-lupo-1731228, last verified 2026-10-28. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._