---
canonical_url: https://lendb.ai/lo/todd-zelcer-148626
json_url: https://lendb.ai/lo/todd-zelcer-148626.json
nmls_id: 148626
last_verified: 2026-10-15
---

# Todd Zelcer

Residential Mortgage Loan Originator at Cornerstone First Mortgage, Columbia, TN. NMLS ID 148626 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/148626)).

**Summary:** Todd Zelcer (NMLS 148626) is Residential Mortgage Loan Originator at Cornerstone First Mortgage, based in Columbia, TN. Licensed in Florida, confirmed with the state regulator (license LO44165). Cornerstone First Mortgage also offers FHA loan, First-time buyer, HELOC, Real estate investor and Jumbo loan and 7 more (a lender program, not confirmed as their own focus). Earliest state license record: June 7, 2017 (Florida), per state regulator. States 20 years of experience. Last verified 2026-10-15.

## At a glance

- Earliest state license record: June 7, 2017 (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): 20 (source: https://encompasslending.com/tzelcer/, 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)

- None on file yet.

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

- **FHA loan** (`fha`): verified 2026-10-15. Source: https://www.cornerstonefirst.com
- **First-time buyer** (`first-time-buyer`): verified 2026-10-15. Source: https://www.cornerstonefirst.com
- **HELOC** (`heloc`): verified 2026-10-15. Source: https://www.cornerstonefirst.com
- **Real estate investor** (`investor`): verified 2026-10-15. Source: https://www.cornerstonefirst.com
- **Jumbo loan** (`jumbo`): verified 2026-10-15. Source: https://www.cornerstonefirst.com
- **Low credit score** (`low-credit`): verified 2026-10-15. Source: https://www.cornerstonefirst.com
- **New construction** (`new-construction`): verified 2026-10-15. Source: https://www.cornerstonefirst.com
- **Renovation loan (203k / HomeStyle)** (`renovation`): verified 2026-10-15. Source: https://www.cornerstonefirst.com
- **Reverse mortgage** (`reverse`): verified 2026-10-15. Source: https://www.cornerstonefirst.com
- **Self-employed** (`self-employed`): verified 2026-10-15. Source: https://www.cornerstonefirst.com
- **USDA loan** (`usda`): verified 2026-10-15. Source: https://www.cornerstonefirst.com
- **VA loan** (`va`): verified 2026-10-15. Source: https://www.cornerstonefirst.com

## About

Todd Zelcer has over 20 years of experience in mortgage lending and says clients can reach them by call, text, or email.

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

## Facts from the lender page and intro

- years_experience: 20. Source: https://encompasslending.com/tzelcer/, verified 2026-10-15.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO44165 | active | confirmed | 2017-06-07 | state_regulator | 2026-10-15 |

## Employment history

- ? to present: Cornerstone First Mortgage (NMLS 292897), Columbia, TN. Source: https://encompasslending.com/tzelcer/, 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/148626

## Contact

- View profile at Cornerstone First Mortgage: https://encompasslending.com/tzelcer/
- Office phone and Email on file: shown at https://lendb.ai/lo/todd-zelcer-148626#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/148626
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip
- lender_site: https://encompasslending.com/tzelcer/
- lender_site (lender programs): https://www.cornerstonefirst.com
- HUD (FHA data): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot

Cite as: Todd Zelcer (NMLS 148626), Cornerstone First Mortgage. LenDb.ai, https://lendb.ai/lo/todd-zelcer-148626, last verified 2026-10-15.

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