Todd Young
Sr. Loan Officer at Lower · Cherry Hill, NJ
NMLS ID 148654 (opens in a new tab) · verify at NMLS Consumer Access
Todd Young (NMLS 148654) is Sr. Loan Officer at Lower, based in Cherry Hill, NJ. Licensed in Florida, confirmed with the state regulator (license LO27849). Also lists New Jersey and Pennsylvania 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: December 23, 2014 (Florida), per state regulator. States 25 years of experience.
Last verified . Sources: Lower (lower.com), Florida state regulator and NMLS Consumer Access (license status, check live).
- Earliest state license record: December 23, 2014 (Florida), per state regulator
- 25 years experience (stated)
- Works at an FHA-approved lender, per HUD (opens in a new tab)
- 3 states
- Unclaimed profile
- Disciplinary history not yet checked
Specialties
Focus
No focus listed on their lender page yet.
Their lender offers
FHA loan, First-time buyer, HELOC, Real estate investor, Jumbo loan, Non-QM loan, Renovation loan (203k / HomeStyle), USDA loan, VA loan and Vacation home. Programs Lower offers (verified 2026-10-10). Lender-level: not confirmed as Todd's own focus, so ask.
Focus is the loan officer's own: their bio, title, a certification or their own specialty list on their lender page, or what they report. Programs their lender offers are listed separately and never count as their focus in search.
Licensed states
Florida, New Jersey, Pennsylvania
✓ Confirmed with the state regulator: FL (opens in a new tab) (LO27849, first effective 2014-12-23), verified 2026-10-15.
Lender-reported: NJ, PA are listed on the lender page, not yet checked with the state regulator.
Contact
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Employment history
Lower NMLS 1124061
Current · Cherry Hill, NJ · seen on lender site 2026-10-10
Disciplinary history
Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access (opens in a new tab).
About
Todd Young has more than 25 years of mortgage experience helping homebuyers and homeowners reach their financial goals. They are licensed in New Jersey, Pennsylvania, and Florida.
Our summary of the lender page. Verified 2026-10-10.
Sources
| Name and employer | lender site · lower.com (opens in a new tab) | verified 2026-10-10 |
| Licenses (regulator) | state regulator · real.flofr.com (opens in a new tab) | verified 2026-10-15 |
| Licensed states | lender site · lower.com (opens in a new tab) | verified 2026-10-10 |
| Lender programs | lender site · lower.com (opens in a new tab) | verified 2026-10-10 |
| Summary | lender site · lower.com (opens in a new tab) | verified 2026-10-10 |
| Contact | lender site · lower.com (opens in a new tab) | verified 2026-10-10 |
| Photo | lender site · lower.com (opens in a new tab) | verified 2026-10-10 |
| License status | NMLS Consumer Access (opens in a new tab) | check live |
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Cite as: Todd Young (NMLS 148654), Lower. LenDb.ai, https://lendb.ai/lo/todd-young-148654, last verified 2026-10-15.
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