--- canonical_url: https://lendb.ai/lo/thomas-sutton-1864483 json_url: https://lendb.ai/lo/thomas-sutton-1864483.json nmls_id: 1864483 last_verified: 2026-10-31 --- # Thomas Sutton Loan officer at Veterans United Home Loans. NMLS ID 1864483 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1864483)). Thomas Sutton (NMLS 1864483) is a mortgage loan officer at Veterans United Home Loans, licensed in Florida since 2019 and in Texas, Connecticut, Louisiana and 5 more states. Thomas works at an FHA-approved lender, per HUD. **Summary:** Thomas Sutton (NMLS 1864483) is a loan officer at Veterans United Home Loans. Licensed in 9 states confirmed with state regulators: Florida, Texas, Connecticut, Louisiana, Delaware, Missouri, Arkansas, Maryland and 1 more. Veterans United Home Loans also offers FHA loan, First-time buyer, Jumbo loan, Renovation loan (203k / HomeStyle) and USDA loan and 1 more (a lender program, not confirmed as their own focus). Earliest state license record: July 11, 2019 (Florida), per state regulator. Last verified 2026-10-31. ## Quick answers ### Is Thomas licensed in Florida? Yes. Florida regulator records list license LO62623 as active, first effective July 11, 2019 (verified 2026-10-15). LenDb has 8 other states on file for Thomas. Source: https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip. ### What lender does Thomas work for, and is it FHA-approved? Veterans United Home Loans, company NMLS 1907, per the lender's own site (verified 2026-10-20). Works at an FHA-approved lender, per HUD (HUD FHA data, loans endorsed through Aug 2026). Source: https://securities.arkansas.gov/loans/nmls/. ### How long has Thomas been licensed? The earliest state license record LenDb holds for Thomas is from July 11, 2019 (Florida regulator). That is a record date from the rosters we hold, not proof of continuous licensure. Source: https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip. ## At a glance - Earliest state license record: July 11, 2019 (Florida), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience. - Also licensed as (state regulator records, same NMLS ID): Thomas A. Sutton (AR, CA, CT, DE, FL, LA, MD, MO, NV, TX, as of 2026-10-30) - Licensed in: Florida (FL, confirmed), Texas (TX, confirmed), Connecticut (CT, confirmed), Louisiana (LA, confirmed), Delaware (DE, confirmed), Missouri (MO, confirmed), Arkansas (AR, confirmed), Maryland (MD, confirmed), Nevada (NV, 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 (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. ### Their lender offers (lender level: Veterans United Home Loans's programs, not confirmed as this person's focus) - **FHA loan** (`fha`): verified 2026-10-10. Source: https://www.veteransunited.com - **First-time buyer** (`first-time-buyer`): verified 2026-10-10. Source: https://www.veteransunited.com - **Jumbo loan** (`jumbo`): verified 2026-10-10. Source: https://www.veteransunited.com - **Renovation loan (203k / HomeStyle)** (`renovation`): verified 2026-10-10. Source: https://www.veteransunited.com - **USDA loan** (`usda`): verified 2026-10-10. Source: https://www.veteransunited.com - **VA loan** (`va`): verified 2026-10-10. Source: https://www.veteransunited.com ## Licenses | State | Regulator | Type | Number | Status | Confidence | Issued | Source | Verified | |---|---|---|---|---|---|---|---|---| | FL | Florida regulator | state_license | LO62623 | active | confirmed | 2019-07-11 | state_regulator | 2026-10-15 | | TX | Texas regulator | state_license | n/a | active | confirmed | 2019-07-19 | state_regulator | 2026-10-13 | | CT | Connecticut regulator | state_license | LO-1864483 | active | confirmed | | state_regulator | 2026-10-15 | | LA | Louisiana regulator | state_license | n/a | active | confirmed | | state_regulator | 2026-10-15 | | DE | Delaware regulator | state_license | n/a | active | confirmed | | state_regulator | 2026-10-30 | | MO | Missouri regulator | state_license | n/a | active | confirmed | | state_regulator | 2026-10-19 | | AR | Arkansas regulator | state_license | n/a | active | confirmed | | state_regulator | 2026-10-20 | | WI | Wisconsin regulator | state_license | 1864483 | inactive | confirmed | 2019-09-24 | state_regulator | 2026-10-21 | | CA | California Department of Financial Protection and Innovation | state_license | CA-DBO1864483 | inactive | confirmed | 2019-07-16 | state_regulator | 2026-10-24 | | MD | Maryland regulator | state_license | n/a | active | confirmed | | state_regulator | 2026-10-26 | | NV | Nevada regulator | state_license | n/a | active | confirmed | 2026-10-22 | state_regulator | 2026-10-31 | ## Employment history - ? to present: Veterans United Home Loans (NMLS 1907). Source: https://securities.arkansas.gov/loans/nmls/, verified 2026-10-20. - ? to present: West Capital Lending, Inc. (NMLS 1566096). Source: https://www.sml.texas.gov/, verified 2026-10-13. ## Disciplinary history Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1864483 ## Contact ## Sources - nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1864483 - state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip - state_regulator: https://www.sml.texas.gov/ - state_regulator: https://portal.ct.gov/dob/consumer-credit-licenses/consumer-credit-licenses/mortgage-loan-originators-licensed-in-connecticut - state_regulator: https://ofi.la.gov/non-depository/residential-mortgage-lending/originators-by-lender/ - state_regulator: https://banking.delaware.gov/delaware-approved-mortgage-loan-originators/ - state_regulator: https://finance.mo.gov/banks-0/bank-licensee-search - state_regulator: https://securities.arkansas.gov/loans/nmls/ - state_regulator: https://dfi.wi.gov/Pages/BusinessServices/MortgageBanking/ - state_regulator: https://dfpi.ca.gov/ - state_regulator: https://www.labor.maryland.gov/finance/ - state_regulator: https://mld.nv.gov/ - lender_site (lender programs): https://www.veteransunited.com - HUD (FHA data): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot Cite as: Thomas Sutton (NMLS 1864483), Veterans United Home Loans. LenDb.ai, https://lendb.ai/lo/thomas-sutton-1864483, last verified 2026-10-31. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._