---
canonical_url: https://lendb.ai/lo/thomas-smith-251122
json_url: https://lendb.ai/lo/thomas-smith-251122.json
nmls_id: 251122
last_verified: 2026-10-15
---

# Tom Smith

Area Sales Manager at Consumer Real Estate Finance Co.. NMLS ID 251122 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/251122)).

**Summary:** Tom Smith (NMLS 251122) is Area Sales Manager at Consumer Real Estate Finance Co.. Licensed in Florida, confirmed with the state regulator (license LO130666). Focus areas shown on the lender page: First-time buyer. Earliest state license record: July 30, 2024 (Florida), per state regulator. States 37 years of experience. Last verified 2026-10-15.

## At a glance

- Earliest state license record: July 30, 2024 (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): 37 (source: https://societymortgage.com/loan-experts/tom-smith/, verified 2026-10-15)
- Licensed in: Florida (FL, 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)

- **First-time buyer** (`first-time-buyer`): from their own specialty list (lender page), confidence 0.85, verified 2026-10-15. Source: https://societymortgage.com/loan-experts/tom-smith/

## About

Has over 37 years of experience building borrower relationships and has personally helped finance over $1.5 billion in loans.

Source: LenDb summary of the lender page, verified 2026-10-15.

## Facts from the lender page and intro

- years_experience: 37. Source: https://societymortgage.com/loan-experts/tom-smith/, verified 2026-10-15.
- years_experience: 39. Source: https://societymortgage.com/loan-experts/tom-smith/, verified 2026-10-15.
- other: Has personally helped finance over $1.5 billion in loans. Source: https://societymortgage.com/loan-experts/tom-smith/, verified 2026-10-15.
- community: Takes part in Childrens Miracle Network, Great Rivers United Way, Oktoberfest USA, Special Olympics, Big Brothers Big Sisters, Bolder Options, SMA and the Brewer Foundation. Source: https://societymortgage.com/loan-experts/tom-smith/, verified 2026-10-15.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO130666 | active | confirmed | 2024-07-30 | state_regulator | 2026-10-15 |

## Employment history

- ? to present: Consumer Real Estate Finance Co. (NMLS 104621). Source: https://societymortgage.com/loan-experts/tom-smith/, 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/251122

## Contact

- View profile at Consumer Real Estate Finance Co.: https://societymortgage.com/loan-experts/tom-smith/
- Office phone and Email on file: shown at https://lendb.ai/lo/thomas-smith-251122#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/251122
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip
- lender_site: https://societymortgage.com/loan-experts/tom-smith/
- HUD (FHA data): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot

Cite as: Tom Smith (NMLS 251122), Consumer Real Estate Finance Co.. LenDb.ai, https://lendb.ai/lo/thomas-smith-251122, last verified 2026-10-15.

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