---
canonical_url: https://lendb.ai/lo/thomas-lutz-135170
json_url: https://lendb.ai/lo/thomas-lutz-135170.json
nmls_id: 135170
last_verified: 2026-10-09
---

# Tom Lutz

Branch Manager at Guild Mortgage, York, PA. NMLS ID 135170 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/135170)).

**Summary:** Tom Lutz (NMLS 135170) is Branch Manager at Guild Mortgage, based in York, PA. Licensed in Florida, confirmed with the state regulator (license LO126250). Also lists Delaware, Maryland and Pennsylvania on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: Down payment assistance and FHA loan. Licensed since 2024 (per Florida records). States 30 years of experience. Last verified 2026-10-09.

## At a glance

- Licensed since 2024 (per Florida records). This is license history on file, not total experience.
- Years experience (stated by the LO): 30 (source: https://branches.guildmortgage.com/pa/york/tom-lutz-904-rgtl.html, verified 2026-10-09)
- Licensed in: Florida (FL, confirmed), Delaware (DE, lender_reported), Maryland (MD, lender_reported), Pennsylvania (PA, 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

- **Down payment assistance** (`down-payment-assistance`): lender page, confidence 0.60, verified 2026-10-09. Source: https://branches.guildmortgage.com/pa/york/tom-lutz-904-rgtl.html
- **FHA loan** (`fha`): lender page, confidence 0.60, verified 2026-10-09. Source: https://branches.guildmortgage.com/pa/york/tom-lutz-904-rgtl.html

## About

Tom Lutz has 30 years of mortgage industry experience and is dedicated to tailoring loan solutions that fit each client's unique needs with personalized service and on-time settlements.

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

## Facts from the lender page and intro

- years_experience: 30. Source: https://branches.guildmortgage.com/pa/york/tom-lutz-904-rgtl.html, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO126250 | active | confirmed | 2024-02-20 | state_regulator | 2026-10-09 |
| DE | 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 |
| PA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: Guild Mortgage (NMLS 3274), York, PA. Source: https://branches.guildmortgage.com/pa/york/tom-lutz-904-rgtl.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/135170

## Contact

- linkedin_url: https://www.linkedin.com/in/tom-lutz-09a1b718 (source: lender_site, verified 2026-10-09)
- View profile at Guild Mortgage: https://branches.guildmortgage.com/pa/york/tom-lutz-904-rgtl.html
- Office phone and Email on file: shown at https://lendb.ai/lo/thomas-lutz-135170#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/135170
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip
- lender_site: https://branches.guildmortgage.com/pa/york/tom-lutz-904-rgtl.html

Cite as: Tom Lutz (NMLS 135170), Guild Mortgage. LenDb.ai, https://lendb.ai/lo/thomas-lutz-135170, last verified 2026-10-09.

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