--- canonical_url: https://lendb.ai/lo/trina-wood-260645 json_url: https://lendb.ai/lo/trina-wood-260645.json nmls_id: 260645 last_verified: 2026-10-15 --- # Trina Wood Loan Officer at Lower, Billings, MT. NMLS ID 260645 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/260645)). **Summary:** Trina Wood (NMLS 260645) is Loan Officer at Lower, based in Billings, MT. Licensed in Florida, confirmed with the state regulator (license LO148403). Also lists Arizona, Colorado, Michigan, Montana, North Dakota, Virginia and Wyoming 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: June 5, 2026 (Florida), per state regulator. States 20 years of experience. Last verified 2026-10-15. ## At a glance - Earliest state license record: June 5, 2026 (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://www.lower.com/loan-officers/montana/billings/trina-wood, verified 2026-10-10) - Licensed in: Florida (FL, confirmed), Arizona (AZ, lender_reported), Colorado (CO, lender_reported), Michigan (MI, lender_reported), Montana (MT, lender_reported), North Dakota (ND, lender_reported), Virginia (VA, lender_reported), Wyoming (WY, 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 Trina Wood has more than 20 years in mortgage lending and is based in Billings, Montana. Their stated approach is guiding clients through each step of the lending process. Source: LenDb summary of the lender page, verified 2026-10-10. ## Facts from the lender page and intro - years_experience: 20. Source: https://www.lower.com/loan-officers/montana/billings/trina-wood, verified 2026-10-10. ## Licenses | State | Type | Number | Status | Confidence | Issued | Source | Verified | |---|---|---|---|---|---|---|---| | FL | state_license | LO148403 | active | confirmed | 2026-06-05 | state_regulator | 2026-10-15 | | AZ | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | CO | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | MI | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | MT | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | ND | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | VA | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | WY | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | ## Employment history - ? to present: Lower (NMLS 1124061), Billings, MT. Source: https://www.lower.com/loan-officers/montana/billings/trina-wood, 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/260645 ## Contact - linkedin_url: https://www.linkedin.com/in/trina-wood-1511525/ (source: lender_site, verified 2026-10-10) - View profile at Lower: https://www.lower.com/loan-officers/montana/billings/trina-wood - Office phone and Email on file: shown at https://lendb.ai/lo/trina-wood-260645#contact after a quick human check (not available in this file, the API or MCP). ## Sources - nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/260645 - state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip - lender_site: https://www.lower.com/loan-officers/montana/billings/trina-wood - lender_site (lender programs): https://www.lower.com - HUD (FHA data): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot Cite as: Trina Wood (NMLS 260645), Lower. LenDb.ai, https://lendb.ai/lo/trina-wood-260645, last verified 2026-10-15. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._