--- canonical_url: https://lendb.ai/lo/thomas-lake-311824 json_url: https://lendb.ai/lo/thomas-lake-311824.json nmls_id: 311824 last_verified: 2026-10-09 --- # Thomas Lake Loan Officer at Guild Mortgage, San Diego, CA. NMLS ID 311824 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/311824)). **Summary:** Thomas Lake (NMLS 311824) is Loan Officer at Guild Mortgage, based in San Diego, CA. Licensed in Florida, confirmed with the state regulator (license LO70120). Also lists Arizona, California, Georgia, Illinois, Indiana, Maryland, Maine, Minnesota and 6 more on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: Reverse mortgage. Licensed since 2020 (per Florida records). States 20 years of experience. Last verified 2026-10-09. ## At a glance - Licensed since 2020 (per Florida records). This is license history on file, not total experience. - Years experience (stated by the LO): 20 (source: https://branches.guildmortgage.com/ca/sandiego/thomas-lake-332-chtl.html, verified 2026-10-09) - Licensed in: Florida (FL, confirmed), Arizona (AZ, lender_reported), California (CA, lender_reported), Georgia (GA, lender_reported), Illinois (IL, lender_reported), Indiana (IN, lender_reported), Maryland (MD, lender_reported), Maine (ME, lender_reported), Minnesota (MN, lender_reported), North Carolina (NC, lender_reported), Nevada (NV, lender_reported), Ohio (OH, lender_reported), Tennessee (TN, lender_reported), Texas (TX, lender_reported), Washington (WA, 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 - **Reverse mortgage** (`reverse`): lender page, confidence 0.90, verified 2026-10-09. Source: https://branches.guildmortgage.com/ca/sandiego/thomas-lake-332-chtl.html ## About Thomas has 20+ years of experience in traditional and reverse mortgages and holds licenses in 17 states. His focus is primarily on senior clients aged 62 and older. Source: LenDb summary of the lender page, verified 2026-10-09. ## Facts from the lender page and intro - years_experience: 20. Source: https://branches.guildmortgage.com/ca/sandiego/thomas-lake-332-chtl.html, verified 2026-10-09. ## Licenses | State | Type | Number | Status | Confidence | Issued | Source | Verified | |---|---|---|---|---|---|---|---| | FL | state_license | LO70120 | active | confirmed | 2020-05-18 | state_regulator | 2026-10-09 | | AZ | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | CA | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | GA | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | IL | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | IN | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | MD | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | ME | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | MN | 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 | | NV | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | OH | 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 | | TX | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | WA | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | ## Employment history - ? to present: Guild Mortgage (NMLS 3274), San Diego, CA. Source: https://branches.guildmortgage.com/ca/sandiego/thomas-lake-332-chtl.html, 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/311824 ## Contact - View profile at Guild Mortgage: https://branches.guildmortgage.com/ca/sandiego/thomas-lake-332-chtl.html - Office phone and Email on file: shown at https://lendb.ai/lo/thomas-lake-311824#contact after a quick human check (not available in this file, the API or MCP). ## Sources - nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/311824 - state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip - lender_site: https://branches.guildmortgage.com/ca/sandiego/thomas-lake-332-chtl.html Cite as: Thomas Lake (NMLS 311824), Guild Mortgage. LenDb.ai, https://lendb.ai/lo/thomas-lake-311824, last verified 2026-10-09. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._