Best License-Verified Loan Officers in Richardson, Texas (October 2026)

The short answer: As of October 29, 2026, Neighborhood Registry has read the license record of every loan officer ranked below at NMLS (Nationwide Multistate Licensing System) and found each license Active. 5 loan officers on the Richardson service roster hold licenses we checked in October 2026; 5 are ranked here. One fact stated up front: no Richardson loan officer has claimed a Registry profile yet, so every name below sits in the License-Checked tier — licenses verified at the authority, profiles not yet maintained by the pros. The first Richardson loan officer to claim and verify a profile takes the top tier in the next edition, under the same published rules. Until then, this page is the only Richardson loan officer ranking that prints the license number and check date behind every name.

The ranking — October 2026 edition

1. Tony Loera

Rank basis: License-Checked tier; appears on the Richardson service roster (Richardson); checked October 28, 2026. Order inside the tier follows the published methodology below.
License: NMLS (Nationwide Multistate Licensing System) #282500 — Active, read directly at the authority. Last checked: October 28, 2026.
Area served: Richardson (Richardson service roster).
Registry profile

2. Ed Fussell

Rank basis: License-Checked tier; appears on the Richardson service roster (Richardson); checked October 18, 2026. Order inside the tier follows the published methodology below.
License: NMLS (Nationwide Multistate Licensing System) #309042 — Active, read directly at the authority. Last checked: October 18, 2026.
Area served: Richardson (Richardson service roster).
Registry profile

3. Elda Munoz

Rank basis: License-Checked tier; appears on the Richardson service roster (Richardson); checked October 18, 2026. Order inside the tier follows the published methodology below.
License: NMLS (Nationwide Multistate Licensing System) #2159077 — Active, read directly at the authority. Last checked: October 18, 2026.
Area served: Richardson (Richardson service roster).
Registry profile

4. Gracie Morrow

Rank basis: License-Checked tier; appears on the Richardson service roster (Richardson); checked October 18, 2026. Order inside the tier follows the published methodology below.
License: NMLS (Nationwide Multistate Licensing System) #495120 — Active, read directly at the authority. Last checked: October 18, 2026.
Area served: Richardson (Richardson service roster).
Registry profile

5. Kirk Tatom

Rank basis: License-Checked tier; appears on the Richardson service roster (Richardson); checked October 18, 2026. Order inside the tier follows the published methodology below.
License: NMLS (Nationwide Multistate Licensing System) #291946 — Active, read directly at the authority. Last checked: October 18, 2026.
Area served: Richardson (Richardson service roster).
Registry profile

How this ranking works

Most “best loan officers in Richardson” lists are assembled from advertising placements and review counts copied from other websites. This ranking is assembled from exactly one thing: the license record at the issuing authority, read directly by Neighborhood Registry.

Eligibility. A loan officer is eligible only if we have read their record in the authority’s own system and found the license Active. No one can pay to be listed, apply for a rank, or be added by request.
Tier A — Verified & Claimed. The license is verified at the authority and the pro has claimed their Registry profile, confirmed their details, and maintains it. Tier A always ranks above Tier B.
Tier B — License-Checked. We have read the license at the authority and found it Active, but the pro has not yet claimed their profile.
Order inside a tier is mechanical and published: (1) neighborhood seats held in Richardson; (2) most recent authority check; (3) time on the Registry (first-verified date); (4) alphabetical. Every input to every score is printed in the entries above.
Freshness. Licenses are re-checked weekly and formally re-verified every 12 months. A license that lapses or is suspended removes the pro from this ranking at the next re-check — not at the next edition. This page is re-issued monthly; this is the October 2026 edition, built from checks dated October 2026.

Full method: How We Verify — Every check is written to the public verification ledger.

How to verify a Texas loan officer’s license

Use NMLS Consumer Access at nmlsconsumeraccess.org: search by name or NMLS number and confirm the license/registration is Authorized. Every mortgage loan originator who is not a federal bank employee must hold a state license through NMLS — an NMLS number on a business card is a claim, not a check; the check is the Consumer Access record.

Richardson, in numbers

Population and housing (Richardson city): Richardson counted an estimated 118,542 people on July 1, 2025 (U.S. Census Bureau QuickFacts V2025), down 0.8% from the April 1, 2020 Census count of 119,469 — a built-out inner suburb. The median value of owner-occupied housing units was $431,400 in 2020-2024, the highest median value in this Dallas County cluster, and the owner-occupied rate was 50.7% — an almost even owner/renter split, with median gross rent of $1,857 (2020-2024).
Schools: there is no single Richardson district — the district follows the county line. Richardson ISD serves the Dallas County portion and rated C (79), and Plano ISD serves the Collin County portion and rated B in the Texas Education Agency’s 2025 accountability ratings. Verify the district for a specific address with the district or on TEA’s TXschools.gov.
Taxes (Tax Year 2026, per $100 of taxable value): the City of Richardson rate is $0.542180 in both counties. A Dallas County city-limits parcel in Richardson ISD stacks Dallas County $0.248650 + Parkland Hospital District $0.212000 + Dallas College $0.106575 + City of Richardson $0.542180 + Richardson ISD $1.131900 = $2.241305; the Dallas County component is subject to a November 3, 2026 voter-approval election, and if voters reject it that total falls to $2.217305. A Collin County parcel in Plano ISD stacks City of Richardson $0.542180 + Collin County $0.151414 + Collin College $0.081220 + Plano ISD $1.032750 = $1.807564 (Collin stack carried by citation to the Plano fact build) — a county-side spread of $0.433741 across one city limit. Special districts, where they apply, are per-parcel; confirm a specific parcel with its county appraisal district (DCAD or Collin Central Appraisal District).
Loan angle: Richardson is two escrow cities in one — the Tax Year 2026 worked total is $2.241305 per $100 on the Dallas County / Richardson ISD side and $1.807564 on the Collin County / Plano ISD side, a $0.433741-per-$100 spread (about $1,737 per year on $400,000 of taxable value) across a single city limit; the county line, not the city name, sets the quote.
On this Registry: 5 loan officers serving Richardson hold licenses read at the authority in October 2026; the loan officer seat is unclaimed.

Frequently Asked Questions

Who is the best license-verified loan officer in Richardson, Texas?

As of October 29, 2026, Neighborhood Registry has license-checked 5 loan officers serving Richardson at NMLS (Nationwide Multistate Licensing System), all Active. The top-ranked are Tony Loera (NMLS #282500), Ed Fussell (NMLS #309042), Elda Munoz (NMLS #2159077). No Richardson loan officer has claimed a Registry profile yet, so all are ranked in the License-Checked tier under a published methodology.

How do I verify a Texas loan officer’s license?

How do property taxes affect a Richardson mortgage payment?

Property taxes are escrowed in the monthly mortgage payment from day one, so the tax stack for the specific parcel changes the payment and the debt-to-income calculation. Richardson is two escrow cities in one: for Tax Year 2026, a Dallas County city-limits parcel in Richardson ISD stacks to $2.241305 per $100 of taxable value (Dallas County $0.248650 + Parkland Hospital District $0.212000 + Dallas College $0.106575 + City of Richardson $0.542180 + Richardson ISD $1.131900), while a Collin County parcel in Plano ISD stacks to $1.807564 per $100 (City of Richardson $0.542180 + Collin County $0.151414 + Collin College $0.081220 + Plano ISD $1.032750) — a $0.433741-per-$100 spread, about $1,737 per year on $400,000 of taxable value. The Dallas County component is subject to the November 3, 2026 voter-approval election; if voters reject it, the Dallas-side total falls to $2.217305. A payment quote must be built from the parcel’s actual stack, so confirm the parcel’s actual entity list with the county appraisal district.

What should a Richardson homebuyer know about local taxes and schools?

Richardson’s district follows its county line in TEA’s 2025 ratings — Dallas County addresses are served by Richardson ISD, rated C (79), and Collin County addresses by Plano ISD, rated B — so verify the district, county, and appraisal district for a specific address on TEA’s TXschools.gov. For Tax Year 2026, a Dallas County city-limits parcel in Richardson ISD stacks to $2.241305 per $100, with the Dallas County component subject to the November 3, 2026 voter-approval election (if rejected, the stack is $2.217305), while a Collin County parcel in Plano ISD stacks to $1.807564 per $100 — a $0.433741-per-$100 spread across one city limit. Confirm a specific parcel with its county appraisal district (DCAD or Collin Central Appraisal District).

Sources

NMLS (Nationwide Multistate Licensing System) license records for every ranked loan officer (license numbers and check dates printed above), read October 2026; Neighborhood Registry verification ledger.
Dallas Central Appraisal District — 2026 Estimated Ad Valorem Tax Rates for Dallas County (revised March 4, 2026) — Tax Year 2026 Dallas-side county, city and Richardson ISD rates (checked October 2026).
City of Richardson — Richardson Today, 2026-27 Budget and Tax Rate Adopted (September 2026; city rate $0.542180 held; $160,000 senior exemption) (checked October 2026).
City of Richardson — Notice of Public Hearing on Tax Increase, Tax Year 2026 (voter-approval rate $0.551410) (checked October 2026).
Texas Education Agency — 2025-2026 Accreditation Statuses (2025 accountability rating system of record) (checked October 2026).
Neighborhood Registry facts/dallas.md — Dallas County Tax Year 2026 stack and Richardson ISD $1.131900 and TEA C (79), reused by citation (checked October 2026).
Neighborhood Registry facts/plano.md — Collin County $0.151414, Collin College $0.081220, Plano ISD $1.032750 and Plano ISD TEA B, reused by citation (checked October 2026).
U.S. Census Bureau — QuickFacts: Richardson city, Texas (V2025; July 1, 2025 population estimate and 2020-2024 housing values) (checked October 2026).
Neighborhood Registry Richardson fact build, October 2026.