---
canonical_url: https://lendb.ai/lo/susan-kayal-2308472
json_url: https://lendb.ai/lo/susan-kayal-2308472.json
nmls_id: 2308472
last_verified: 2026-10-14
---

# Susan Kayal

Mortgage Banker at Total Mortgage Services, Milford, CT. NMLS ID 2308472 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2308472)).

**Summary:** Susan Kayal (NMLS 2308472) is Mortgage Banker at Total Mortgage Services, based in Milford, CT. Licensed in 2 states confirmed with state regulators: Florida and New York. Focus areas shown on the lender page: HELOC and Non-QM loan. Earliest state license record: March 16, 2026 (Florida), per state regulator. Last verified 2026-10-14.

## At a glance

- Earliest state license record: March 16, 2026 (Florida), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Licensed in: Florida (FL, confirmed), New York (NY, 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
- Profile: unclaimed
- Status: active

## Specialties

- **HELOC** (`heloc`): lender page, confidence 0.85, verified 2026-10-09. Source: https://www.totalmortgage.com/bankers/susan-kayal
- **Non-QM loan** (`non-qm`): lender page, confidence 0.85, verified 2026-10-09. Source: https://www.totalmortgage.com/bankers/susan-kayal

## About

Susan specializes in mortgage solutions for purchases, refinances, HELOCs, and non-QM loans. She works with first-time buyers, seasoned buyers, VA borrowers, and investors, offering conventional, FHA, VA, USDA, CHAFA, and jumbo products.

Source: LenDb summary of the lender page, verified 2026-10-09.

## Facts from the lender page and intro

- role: Joined forces with Denise Panza as a power team. Source: https://www.totalmortgage.com/bankers/susan-kayal, verified 2026-10-09.
- other: Background in Real Estate business before joining mortgage industry. Source: https://www.totalmortgage.com/bankers/susan-kayal, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO145876 | active | confirmed | 2026-03-16 | state_regulator | 2026-10-09 |
| NY | state_license | n/a | active | confirmed |  | state_regulator | 2026-10-14 |

## Employment history

- ? to present: Total Mortgage Services (NMLS 2764), Milford, CT. Source: https://www.totalmortgage.com/bankers/susan-kayal, verified 2026-10-09.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2308472

## Contact

- View profile at Total Mortgage Services: https://www.totalmortgage.com/bankers/susan-kayal
- Email on file: shown at https://lendb.ai/lo/susan-kayal-2308472#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2308472
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip
- state_regulator: https://www.dfs.ny.gov/
- lender_site: https://www.totalmortgage.com/bankers/susan-kayal

Cite as: Susan Kayal (NMLS 2308472), Total Mortgage Services. LenDb.ai, https://lendb.ai/lo/susan-kayal-2308472, last verified 2026-10-14.

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