--- canonical_url: https://lendb.ai/lo/terry-williams-1539937 json_url: https://lendb.ai/lo/terry-williams-1539937.json nmls_id: 1539937 last_verified: 2026-10-31 --- # Terry Williams Executive Loan Officer at INDEPENDENCE HOME LOANS LLC. NMLS ID 1539937 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1539937)). Terry Williams (NMLS 1539937) is an Executive Loan Officer at INDEPENDENCE HOME LOANS LLC, licensed in Iowa since 2024 and in Florida, Texas, Connecticut and 10 more states. **Summary:** Terry Williams (NMLS 1539937) is Executive Loan Officer at INDEPENDENCE HOME LOANS LLC. Licensed in 14 states confirmed with state regulators: Florida, Texas, Connecticut, Delaware, Missouri, Arkansas, Iowa, Oregon and 6 more. Earliest state license record: February 21, 2024 (Iowa), per state regulator. States 10 years of experience. Last verified 2026-10-31. ## Quick answers ### Is Terry licensed in Florida? Yes. Florida regulator records list license LO144011 as active, first effective January 8, 2026 (verified 2026-10-15). LenDb has 13 other states on file for Terry. Source: https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip. ### What lender does Terry work for? INDEPENDENCE HOME LOANS LLC, company NMLS 2524174, per the lender's own site (verified 2026-10-15). Source: https://independencehl.com/terry-williams/. ### How long has Terry been licensed? The earliest state license record LenDb holds for Terry is from February 21, 2024 (Iowa regulator). That is a record date from the rosters we hold, not proof of continuous licensure. Terry states 10 years of experience. Source: https://idob.iowa.gov/. ## At a glance - Earliest state license record: February 21, 2024 (Iowa), 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): 10 (source: https://independencehl.com/terry-williams/, verified 2026-10-15) - Also licensed as (state regulator records, same NMLS ID): Terry L. Williams (AR, CA, CT, DE, FL, IA, MD, MO, NV, OR, TX, WY, as of 2026-10-30) - Licensed in: Florida (FL, confirmed), Texas (TX, confirmed), Connecticut (CT, confirmed), Delaware (DE, confirmed), Missouri (MO, 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), Nevada (NV, 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. ## About Terry Williams has over a decade of experience in the finance industry. They have consistently achieved top 5% performance rankings and maintain ongoing relationships with return clients. Source: LenDb summary of the lender page, verified 2026-10-15. ## Facts from the lender page and intro - years_experience: 10. Source: https://independencehl.com/terry-williams/, verified 2026-10-15. - credential: Top 5% performance rankings. Source: https://independencehl.com/terry-williams/, verified 2026-10-15. ## Licenses | State | Regulator | Type | Number | Status | Confidence | Issued | Source | Verified | |---|---|---|---|---|---|---|---|---| | FL | Florida regulator | state_license | LO144011 | active | confirmed | 2026-01-08 | state_regulator | 2026-10-15 | | TX | Texas regulator | state_license | n/a | active | confirmed | 2026-04-16 | state_regulator | 2026-10-13 | | CT | Connecticut regulator | state_license | LO-1539937 | active | confirmed | | state_regulator | 2026-10-15 | | DE | Delaware regulator | state_license | n/a | active | confirmed | | state_regulator | 2026-10-30 | | MO | Missouri regulator | state_license | n/a | active | confirmed | | state_regulator | 2026-10-19 | | AR | Arkansas regulator | state_license | n/a | active | confirmed | | state_regulator | 2026-10-20 | | IA | Iowa regulator | state_license | 51404 | active | confirmed | 2024-02-21 | state_regulator | 2026-10-20 | | OR | Oregon regulator | state_license | n/a | active | confirmed | 2024-03-12 | state_regulator | 2026-10-20 | | WI | Wisconsin regulator | state_license | 1539937 | active | confirmed | 2026-01-07 | state_regulator | 2026-10-21 | | CA | California Department of Financial Protection and Innovation | state_license | CA-DFPI1539937 | active | confirmed | 2024-03-07 | state_regulator | 2026-10-24 | | MD | Maryland regulator | state_license | n/a | active | confirmed | | state_regulator | 2026-10-26 | | WY | Wyoming regulator | state_license | 109627 | active | confirmed | 2026-01-13 | state_regulator | 2026-10-27 | | IL | Illinois regulator | state_license | 31.0092845 | active | confirmed | 2026-01-06 | state_regulator | 2026-10-28 | | NV | Nevada regulator | state_license | NMLO-154097 | active | confirmed | 2026-01-07 | state_regulator | 2026-10-31 | ## Employment history - ? to present: INDEPENDENCE HOME LOANS LLC (NMLS 2524174). Source: https://independencehl.com/terry-williams/, 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/1539937 ## Contact - View profile at INDEPENDENCE HOME LOANS LLC: https://independencehl.com/terry-williams/ - Office phone and Email on file: shown at https://lendb.ai/lo/terry-williams-1539937#contact after a quick human check (not available in this file, the API or MCP). ## Sources - nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1539937 - state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip - state_regulator: https://www.sml.texas.gov/ - state_regulator: https://portal.ct.gov/dob/consumer-credit-licenses/consumer-credit-licenses/mortgage-loan-originators-licensed-in-connecticut - state_regulator: https://banking.delaware.gov/delaware-approved-mortgage-loan-originators/ - state_regulator: https://finance.mo.gov/banks-0/bank-licensee-search - 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 - state_regulator: https://mld.nv.gov/ - state_regulator: https://independencehl.com/terry-williams/ Cite as: Terry Williams (NMLS 1539937), INDEPENDENCE HOME LOANS LLC. LenDb.ai, https://lendb.ai/lo/terry-williams-1539937, last verified 2026-10-31. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._