Thomas Leong
Loan Advisor at Lower · Columbia, MD
NMLS ID 1023180 (opens in a new tab) · verify at NMLS Consumer Access
Thomas Leong (NMLS 1023180) is Loan Advisor at Lower, based in Columbia, MD. Licensed in 3 states confirmed with state regulators: Florida, Connecticut and Louisiana. Also lists Arizona, California, Colorado, District of Columbia, Georgia, Illinois, Indiana, Massachusetts and 16 more on the lender page (not yet checked with the state regulator). Lower also offers FHA loan, First-time buyer, HELOC, Real estate investor and Jumbo loan and 5 more (a lender program, not confirmed as their own focus). Earliest state license record: February 3, 2021 (Florida), per state regulator. States 25 years of experience.
Last verified . Sources: Lower (lower.com), Florida state regulator, Connecticut state regulator, Texas state regulator, Louisiana state regulator and NMLS Consumer Access (license status, check live).
- Earliest state license record: February 3, 2021 (Florida), per state regulator
- 25 years experience (stated)
- Works at an FHA-approved lender, per HUD (opens in a new tab)
- 27 states
- Unclaimed profile
- Disciplinary history not yet checked
Specialties
Focus
No focus listed on their lender page yet.
Their lender offers
FHA loan, First-time buyer, HELOC, Real estate investor, Jumbo loan, Non-QM loan, Renovation loan (203k / HomeStyle), USDA loan, VA loan and Vacation home. Programs Lower offers (verified 2026-10-10). Lender-level: not confirmed as Thomas's own focus, so ask.
Focus is the loan officer's own: their bio, title, a certification or their own specialty list on their lender page, or what they report. Programs their lender offers are listed separately and never count as their focus in search.
Licensed states
Florida, Arizona, California, Colorado, Connecticut, District of Columbia, Georgia, Illinois, Indiana, Massachusetts, Michigan, Minnesota, Missouri, Montana, North Carolina, North Dakota, New Mexico, Nevada, Ohio, Oklahoma, Pennsylvania, Tennessee, Utah, Virginia, Washington, West Virginia, Louisiana
✓ Confirmed with the state regulator: FL (opens in a new tab) (LO81358, first effective 2021-02-03), CT (opens in a new tab) (LO-1023180), LA (opens in a new tab), verified 2026-10-15.
Lender-reported: AZ, CA, CO, DC, GA, IL, IN, MA, MI, MN, MO, MT, NC, ND, NM, NV, OH, OK, PA, TN, UT, VA, WA, WV are listed on the lender page, not yet checked with the state regulator.
Earlier regulator records (not active): TX (inactive).
Contact
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Employment history
Lower NMLS 1124061
Current · Columbia, MD · seen on lender site 2026-10-10
Disciplinary history
Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access (opens in a new tab).
About
Thomas Leong brings more than 25 years of lending experience and provides real-time milestone updates through each loan. Serves the San Fernando Valley, CA area.
Our summary of the lender page. Verified 2026-10-10.
Sources
| Name and employer | lender site · lower.com (opens in a new tab) | verified 2026-10-10 |
| Licenses (regulator) | state regulator · ofi.la.gov (opens in a new tab) | verified 2026-10-15 |
| Licensed states | lender site · lower.com (opens in a new tab) | verified 2026-10-10 |
| Lender programs | lender site · lower.com (opens in a new tab) | verified 2026-10-10 |
| Summary | lender site · lower.com (opens in a new tab) | verified 2026-10-10 |
| Contact | lender site · lower.com (opens in a new tab) | verified 2026-10-10 |
| Photo | lender site · lower.com (opens in a new tab) | verified 2026-10-10 |
| License status | NMLS Consumer Access (opens in a new tab) | check live |
Also available as Markdown, JSON, or via the API.
Cite as: Thomas Leong (NMLS 1023180), Lower. LenDb.ai, https://lendb.ai/lo/thomas-leong-1023180, last verified 2026-10-15.
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