--- canonical_url: https://lendb.ai/lo/thomas-leong-1023180 json_url: https://lendb.ai/lo/thomas-leong-1023180.json nmls_id: 1023180 last_verified: 2026-10-15 --- # Thomas Leong Loan Advisor at Lower, Columbia, MD. NMLS ID 1023180 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1023180)). **Summary:** 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 2026-10-15. ## At a glance - Earliest state license record: February 3, 2021 (Florida), 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): 25 (source: https://www.lower.com/loan-officers/california/san-fernando-valley/thomas-leong, verified 2026-10-10) - Licensed in: Florida (FL, confirmed), Arizona (AZ, lender_reported), California (CA, lender_reported), Colorado (CO, lender_reported), Connecticut (CT, confirmed), District of Columbia (DC, lender_reported), Georgia (GA, lender_reported), Illinois (IL, lender_reported), Indiana (IN, lender_reported), Massachusetts (MA, lender_reported), Michigan (MI, lender_reported), Minnesota (MN, lender_reported), Missouri (MO, lender_reported), Montana (MT, lender_reported), North Carolina (NC, lender_reported), North Dakota (ND, lender_reported), New Mexico (NM, lender_reported), Nevada (NV, lender_reported), Ohio (OH, lender_reported), Oklahoma (OK, lender_reported), Pennsylvania (PA, lender_reported), Tennessee (TN, lender_reported), Utah (UT, lender_reported), Virginia (VA, lender_reported), Washington (WA, lender_reported), West Virginia (WV, lender_reported), Louisiana (LA, confirmed) - Works at an FHA-approved lender, per HUD (HUD FHA data, loans endorsed through Aug 2026): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot - 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 ### Focus (officer level: their own bio, title, certification, specialty list or claim) - None on file yet. ### Their lender offers (lender level: Lower's programs, not confirmed as this person's focus) - **FHA loan** (`fha`): verified 2026-10-10. Source: https://www.lower.com - **First-time buyer** (`first-time-buyer`): verified 2026-10-10. Source: https://www.lower.com - **HELOC** (`heloc`): verified 2026-10-10. Source: https://www.lower.com - **Real estate investor** (`investor`): verified 2026-10-10. Source: https://www.lower.com - **Jumbo loan** (`jumbo`): verified 2026-10-10. Source: https://www.lower.com - **Non-QM loan** (`non-qm`): verified 2026-10-10. Source: https://www.lower.com - **Renovation loan (203k / HomeStyle)** (`renovation`): verified 2026-10-10. Source: https://www.lower.com - **USDA loan** (`usda`): verified 2026-10-10. Source: https://www.lower.com - **VA loan** (`va`): verified 2026-10-10. Source: https://www.lower.com - **Vacation home** (`vacation-home`): verified 2026-10-10. Source: https://www.lower.com ## 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. Source: LenDb summary of the lender page, verified 2026-10-10. ## Facts from the lender page and intro - years_experience: 25. Source: https://www.lower.com/loan-officers/california/san-fernando-valley/thomas-leong, verified 2026-10-10. - role: Mortgage loan originator. Source: https://www.lower.com/loan-officers/california/san-fernando-valley/thomas-leong, verified 2026-10-10. - service_area: San Fernando Valley, CA. Source: https://www.lower.com/loan-officers/california/san-fernando-valley/thomas-leong, verified 2026-10-10. - education: California State University, Long Beach. Source: https://www.lower.com/loan-officers/california/san-fernando-valley/thomas-leong, verified 2026-10-10. - community: Volunteers with Habitat for Humanity. Source: https://www.lower.com/loan-officers/california/san-fernando-valley/thomas-leong, verified 2026-10-10. - community: Supporter of the American Cancer Society. Source: https://www.lower.com/loan-officers/california/san-fernando-valley/thomas-leong, verified 2026-10-10. ## Licenses | State | Type | Number | Status | Confidence | Issued | Source | Verified | |---|---|---|---|---|---|---|---| | FL | state_license | LO81358 | active | confirmed | 2021-02-03 | state_regulator | 2026-10-15 | | AZ | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | CA | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | CO | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | CT | state_license | LO-1023180 | active | confirmed | | state_regulator | 2026-10-15 | | DC | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | GA | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | IL | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | IN | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | MA | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | MI | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | MN | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | MO | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | MT | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | NC | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | ND | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | NM | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | NV | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | OH | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | OK | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | PA | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | TN | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | TX | state_license | n/a | inactive | confirmed | 2021-09-26 | state_regulator | 2026-10-13 | | UT | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | VA | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | WA | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | WV | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | LA | state_license | n/a | active | confirmed | | state_regulator | 2026-10-15 | ## Employment history - ? to present: Lower (NMLS 1124061), Columbia, MD. Source: https://www.lower.com/loan-officers/california/san-fernando-valley/thomas-leong, verified 2026-10-10. ## Disciplinary history Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1023180 ## Contact - View profile at Lower: https://www.lower.com/loan-officers/california/san-fernando-valley/thomas-leong - Email on file: shown at https://lendb.ai/lo/thomas-leong-1023180#contact after a quick human check (not available in this file, the API or MCP). ## Sources - nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1023180 - state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip - lender_site: https://www.lower.com/loan-officers/california/san-fernando-valley/thomas-leong - state_regulator: https://portal.ct.gov/dob/consumer-credit-licenses/consumer-credit-licenses/mortgage-loan-originators-licensed-in-connecticut - state_regulator: https://www.sml.texas.gov/ - state_regulator: https://ofi.la.gov/non-depository/residential-mortgage-lending/originators-by-lender/ - lender_site (lender programs): https://www.lower.com - HUD (FHA data): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot Cite as: Thomas Leong (NMLS 1023180), Lower. LenDb.ai, https://lendb.ai/lo/thomas-leong-1023180, last verified 2026-10-15. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._