Mortgage Lender Reviews & Ratings » Richard Tocado Companies, Inc.
Richard Tocado Companies, Inc. NMLS #38652
Key Facts
- LenderRichard Tocado Companies, Inc.
- NMLS # 38652
- Review sourceVerified FreeRateUpdate.com customers
- Last updated
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About Richard Tocado Companies, Inc.
Overview
According to NMLS records, Richard Tocado Companies, Inc. is a North Carolina corporation with NMLS ID 38652. The company is headquartered in Charlotte, North Carolina, and the NMLS record lists its formation date as December 13, 2001.
The company website presents Richard Tocado Companies as a mortgage provider for home purchases, refinances, and equity borrowing, including HELOC or second-mortgage options. Its public site also lists loan categories such as conventional, FHA, VA, USDA, jumbo, fixed-rate, first-time buyer, low down payment, and investment property financing.
Based on the website excerpt, the company speaks mainly to Charlotte-area and Carolinas home buyers and homeowners. That is the available map in the record, with the caveat that public licensing-state data was not available in the evidence provided.
Business Type
NMLS records list Richard Tocado Companies, Inc. as a Corporation formed in North Carolina. The available evidence does not clearly state whether the company operates as a direct lender or as a mortgage broker.
The company website describes mortgage options for buying a home, refinancing an existing mortgage, and using home equity through HELOC or second-mortgage products.
Website Branding
The company website is publicly listed as www.homewithrichard.com. The scraped page title reads, “Home Loans Made Simple, Since 1999, Richard Tocado Companies,” and the site displays NMLS #38652 and Equal Housing Opportunity language.
No trade names were included in the evidence provided. The website navigation includes loan options, pre-qualification, calculators, search homes, apply online, reviews, blog, and contact pages.
Headquarters
According to NMLS records, Richard Tocado Companies, Inc. is located at 3540 Toringdon Way, Suite 200, Charlotte, NC 28277, United States.
The NMLS record lists the company as formed in North Carolina, United States. No address history was included in the available evidence.
Years in Operation
According to NMLS records, Richard Tocado Companies, Inc. was formed on December 13, 2001. Using the provided current year of 2026, that is approximately 25 years from the NMLS formation year.
The company website separately uses “Since 1999” in its public branding. For corporate formation, the NMLS date is the authoritative record available here.
Loan Types
The company website lists purchase mortgages, refinance loans, HELOC or second-mortgage options, and home equity borrowing. It also describes conventional, FHA, VA, USDA, jumbo, fixed-rate, first-time buyer, low down payment, and investment property financing.
The site describes VA loans for active duty service members, veterans, and qualifying spouses, USDA financing for qualifying rural and suburban properties, and jumbo financing above conforming loan limits. It also refers to fixed-rate mortgages as loans with predictable monthly payments for the life of the loan.
Licensing Footprint
State-by-state licensing information was not available from the public sources included in this evidence. The NMLS Consumer Access page URL was identified, but the fetch status was blocked and no licensed states were returned.
Scale
The available NMLS branch data lists 0 branches and no branch states for Richard Tocado Companies, Inc. No loan officer count, loan volume, or ranking information was included in the evidence provided.
Reputation
The available BBB search evidence did not identify a BBB rating for Richard Tocado Companies, Inc. The BBB data provided lists the business as not accredited, with low confidence in the match.
No notable industry awards or recognition were identified for this lender at this time.
NMLS ID
Richard Tocado Companies, Inc. is listed with NMLS company ID 38652. Consumers can verify company licensing status through the NMLS Consumer Access website.
Disclaimer
This profile is for informational purposes only. Richard Tocado Companies, Inc. is listed in NMLS records with company ID 38652.
Licensing information is subject to change. Readers should verify current license status directly with the lender or through NMLS Consumer Access before relying on the information in this profile.
NMLS #38652 — Verify on NMLS Consumer Access — Profile last updated: July 10, 2026
Frequently Asked Questions
What is Richard Tocado Companies, Inc.'s NMLS number?
Richard Tocado Companies, Inc. operates under NMLS #38652. You can verify its license on the NMLS Consumer Access database at nmlsconsumeraccess.org.
Where can I read reviews of Richard Tocado Companies, Inc.?
Verified consumer ratings and reviews of Richard Tocado Companies, Inc. are published on this FreeRateUpdate.com lender profile page.