---
canonical_url: https://lendb.ai/lo/thomas-palombi-2699713
json_url: https://lendb.ai/lo/thomas-palombi-2699713.json
nmls_id: 2699713
last_verified: 2026-10-15
---

# Tom Palombi

Executive Loan Officer at INDEPENDENCE HOME LOANS LLC. NMLS ID 2699713 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2699713)).

Tom Palombi (NMLS 2699713) is an Executive Loan Officer at INDEPENDENCE HOME LOANS LLC, licensed in Florida since 2026.

**Summary:** Tom Palombi (NMLS 2699713) is Executive Loan Officer at INDEPENDENCE HOME LOANS LLC. Licensed in Florida, confirmed with the state regulator (license LO149740). Earliest state license record: July 23, 2026 (Florida), per state regulator. States 2 years of experience. Last verified 2026-10-15.

## Quick answers

### Is Tom licensed in Florida?

Yes. Florida regulator records list license LO149740 as active, first effective July 23, 2026 (verified 2026-10-15). Source: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip.

### What lender does Tom work for?

INDEPENDENCE HOME LOANS LLC, company NMLS 2524174, per the lender's own site (verified 2026-10-15). Source: https://independencehl.com/tom-palombi/.

### How long has Tom been licensed?

The earliest state license record LenDb holds for Tom is from July 23, 2026 (Florida regulator). That is a record date from the rosters we hold, not proof of continuous licensure. Tom states 2 years of experience. Source: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip.

## At a glance

- Earliest state license record: July 23, 2026 (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): 2 (source: https://independencehl.com/tom-palombi/, verified 2026-10-15)
- Also licensed as (state regulator records, same NMLS ID): Thomas L. Palombi (FL, as of 2026-10-09)
- Licensed in: Florida (FL, confirmed)
- 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 (Languages come only from the loan officer's own lender page, and most lender pages do not list languages. A language that is not listed means not stated, not that the loan officer does not speak it.)
- Profile: unclaimed
- Status: active

## Specialties

### Focus (officer level: their own bio, title, certification, specialty list or claim)

- None on file yet.

## Facts from the lender page and intro

- years_experience: 2. Source: https://independencehl.com/tom-palombi/, verified 2026-10-15.

## Licenses

| State | Regulator | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|---|
| FL | Florida regulator | state_license | LO149740 | active | confirmed | 2026-07-23 | state_regulator | 2026-10-15 |

## Employment history

- ? to present: INDEPENDENCE HOME LOANS LLC (NMLS 2524174). Source: https://independencehl.com/tom-palombi/, verified 2026-10-15.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2699713

## Contact

- View profile at INDEPENDENCE HOME LOANS LLC: https://independencehl.com/tom-palombi/
- Office phone and Email on file: shown at https://lendb.ai/lo/thomas-palombi-2699713#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2699713
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip
- lender_site: https://independencehl.com/tom-palombi/

Cite as: Tom Palombi (NMLS 2699713), INDEPENDENCE HOME LOANS LLC. LenDb.ai, https://lendb.ai/lo/thomas-palombi-2699713, last verified 2026-10-15.

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