---
canonical_url: https://lendb.ai/lo/tor-hayward-174592
json_url: https://lendb.ai/lo/tor-hayward-174592.json
nmls_id: 174592
last_verified: 2026-10-09
---

# Tor Hayward

Loan Officer at Empire Home Loans, Grand Junction, CO. NMLS ID 174592 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/174592)).

**Summary:** Tor Hayward (NMLS 174592) is Loan Officer at Empire Home Loans, based in Grand Junction, CO. Earliest state license record: September 10, 2021 (Florida), per state regulator. States 25 years of experience. Last verified 2026-10-09.

## At a glance

- Earliest state license record: September 10, 2021 (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.empirehomeloans.com/team/tor, verified 2026-10-09)
- Licensed in: no license list on file; check NMLS Consumer Access
- 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


## About

Tor has over 25 years of experience in the mortgage industry and is deeply connected to Grand Junction, Colorado, where he helps friends, family, classmates and community achieve homeownership goals.

Source: LenDb summary of the lender page, verified 2026-10-09.

## Facts from the lender page and intro

- years_experience: 25. Source: https://www.empirehomeloans.com/team/tor, verified 2026-10-09.
- service_area: Grand Junction and Collbran, Colorado. Source: https://www.empirehomeloans.com/team/tor, verified 2026-10-09.
- community: Supports local charities in Grand Junction and Collbran, Colorado. Source: https://www.empirehomeloans.com/team/tor, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO94383 | expired | confirmed | 2021-09-10 | state_regulator | 2026-10-09 |

## Employment history

- ? to present: Empire Home Loans (NMLS 1839243), Grand Junction, CO. Source: https://www.empirehomeloans.com/team/tor, verified 2026-10-09.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/174592

## Contact

- View profile at Empire Home Loans: https://www.empirehomeloans.com/team/tor
- Office phone and Email on file: shown at https://lendb.ai/lo/tor-hayward-174592#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/174592
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip
- lender_site: https://www.empirehomeloans.com/team/tor

Cite as: Tor Hayward (NMLS 174592), Empire Home Loans. LenDb.ai, https://lendb.ai/lo/tor-hayward-174592, last verified 2026-10-09.

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