---
canonical_url: https://lendb.ai/lo/todd-young-148654
json_url: https://lendb.ai/lo/todd-young-148654.json
nmls_id: 148654
last_verified: 2026-10-15
---

# Todd Young

Sr. Loan Officer at Lower, Cherry Hill, NJ. NMLS ID 148654 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/148654)).

**Summary:** 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 2026-10-15.

## At a glance

- Earliest state license record: December 23, 2014 (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): 25 (source: https://www.lower.com/loan-officers/new-jersey/mt-laurel/todd-young, verified 2026-10-10)
- Licensed in: Florida (FL, confirmed), New Jersey (NJ, lender_reported), Pennsylvania (PA, lender_reported)
- 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)

- None on file yet.

### Their lender offers (lender level: Lower's programs, not confirmed as this person's focus)

- **FHA loan** (`fha`): verified 2026-10-10. Source: https://www.lower.com
- **First-time buyer** (`first-time-buyer`): verified 2026-10-10. Source: https://www.lower.com
- **HELOC** (`heloc`): verified 2026-10-10. Source: https://www.lower.com
- **Real estate investor** (`investor`): verified 2026-10-10. Source: https://www.lower.com
- **Jumbo loan** (`jumbo`): verified 2026-10-10. Source: https://www.lower.com
- **Non-QM loan** (`non-qm`): verified 2026-10-10. Source: https://www.lower.com
- **Renovation loan (203k / HomeStyle)** (`renovation`): verified 2026-10-10. Source: https://www.lower.com
- **USDA loan** (`usda`): verified 2026-10-10. Source: https://www.lower.com
- **VA loan** (`va`): verified 2026-10-10. Source: https://www.lower.com
- **Vacation home** (`vacation-home`): verified 2026-10-10. Source: https://www.lower.com

## 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.

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

## Facts from the lender page and intro

- years_experience: 25. Source: https://www.lower.com/loan-officers/new-jersey/mt-laurel/todd-young, verified 2026-10-10.
- role: Sales Manager. Source: https://www.lower.com/loan-officers/new-jersey/mt-laurel/todd-young, verified 2026-10-10.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO27849 | active | confirmed | 2014-12-23 | state_regulator | 2026-10-15 |
| NJ | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-10 |
| PA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-10 |

## Employment history

- ? to present: Lower (NMLS 1124061), Cherry Hill, NJ. Source: https://www.lower.com/loan-officers/new-jersey/mt-laurel/todd-young, verified 2026-10-10.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/148654

## Contact

- linkedin_url: https://www.linkedin.com/in/todd-young-38592221/ (source: lender_site, verified 2026-10-10)
- View profile at Lower: https://www.lower.com/loan-officers/new-jersey/mt-laurel/todd-young
- Email on file: shown at https://lendb.ai/lo/todd-young-148654#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/148654
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip
- lender_site: https://www.lower.com/loan-officers/new-jersey/mt-laurel/todd-young
- lender_site (lender programs): https://www.lower.com
- HUD (FHA data): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot

Cite as: Todd Young (NMLS 148654), Lower. LenDb.ai, https://lendb.ai/lo/todd-young-148654, last verified 2026-10-15.

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