---
canonical_url: https://lendb.ai/lo/thomas-cullen-459668
json_url: https://lendb.ai/lo/thomas-cullen-459668.json
nmls_id: 459668
last_verified: 2026-10-09
---

# Tom Cullen

Mortgage Loan Originator at Princeton Mortgage. NMLS ID 459668 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/459668)).

**Summary:** Tom Cullen (NMLS 459668) is Mortgage Loan Originator at Princeton Mortgage. Licensed in Florida, confirmed with the state regulator (license LO91146). Also lists Georgia, North Carolina, Tennessee and Virginia on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: Bank statement loan, Construction loan, Renovation loan (203k / HomeStyle) and DSCR loan. Licensed since 2021 (per Florida records). Last verified 2026-10-09.

## At a glance

- Licensed since 2021 (per Florida records). This is license history on file, not total experience.
- Licensed in: Florida (FL, confirmed), Georgia (GA, lender_reported), North Carolina (NC, lender_reported), Tennessee (TN, lender_reported), Virginia (VA, lender_reported)
- 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

- **Bank statement loan** (`bank-statement`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.princetonmortgage.com/lo/tomcullen
- **Construction loan** (`construction`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.princetonmortgage.com/lo/tomcullen
- **Renovation loan (203k / HomeStyle)** (`renovation`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.princetonmortgage.com/lo/tomcullen
- **DSCR loan** (`dscr`): lender page, confidence 0.85, verified 2026-10-09. Source: https://www.princetonmortgage.com/lo/tomcullen

## About

Tom Cullen is an experienced loan officer skilled in conventional, FHA, specialized loans, and construction/renovation programs. He emphasizes transparency and clear communication with clients.

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

## Facts from the lender page and intro

- years_experience: experienced. Source: https://www.princetonmortgage.com/lo/tomcullen, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO91146 | active | confirmed | 2021-07-12 | state_regulator | 2026-10-09 |
| GA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| NC | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| TN | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| VA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: Princeton Mortgage (NMLS 113856). Source: https://www.princetonmortgage.com/lo/tomcullen, 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/459668

## Contact

- View profile at Princeton Mortgage: https://www.princetonmortgage.com/lo/tomcullen
- Office phone and Email on file: shown at https://lendb.ai/lo/thomas-cullen-459668#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/459668
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip
- lender_site: https://www.princetonmortgage.com/lo/tomcullen

Cite as: Tom Cullen (NMLS 459668), Princeton Mortgage. LenDb.ai, https://lendb.ai/lo/thomas-cullen-459668, last verified 2026-10-09.

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