What Verdica's 796 score means for LOUIS FLORES
Verdica's composite score of 796 places LOUIS FLORES in the "excellent" band (800–850 range), though just below that threshold. This score reflects an aggregation of compliance, complaint, and business profile data drawn from state licensing commission records, Consumer Financial Protection Bureau (CFPB) files, and HUD enforcement databases. A score of 796 indicates that LOUIS FLORES has demonstrated strong adherence to regulatory requirements and a low incidence of substantiated complaints relative to peers in the real estate sector.
For a business owner or consumer evaluating this provider, a score in this range suggests a lower-risk counterparty with a track record aligned with industry standards. However, it is not a guarantee of perfect service or zero disputes—rather, it reflects that any issues that have arisen fall within acceptable parameters for the profession. The slight gap between 796 and the "excellent" ceiling (800) suggests room for marginal improvement in one or more sub-dimensions, though the overall profile remains strong.
How the sub-scores break down
License & Compliance (850/850): This perfect sub-score indicates that LOUIS FLORES holds all required state licenses and registrations in good standing, with no documented violations, sanctions, or disciplinary actions recorded by state licensing commissions. In the real estate industry, this dimension captures whether a provider meets baseline legal and professional requirements—background checks, continuing education, trust account audits, and adherence to fair lending rules. A score of 850 here is the highest possible rating and reflects full regulatory compliance.
Complaints (800/850): This sub-score reflects the volume and nature of complaints filed with the CFPB, HUD, or state regulators, weighted by severity and resolution. A score of 800 indicates that LOUIS FLORES has a low complaint rate or that complaints filed were resolved satisfactorily and did not result in enforcement action. In real estate, common complaint categories include disclosures, fee disputes, processing delays, and fair lending concerns. The 50-point gap between this score and a perfect 850 suggests either a small number of filed complaints or one or two complaints that were substantiated but resolved without major penalties.
Business Profile (705/850): This dimension evaluates operational transparency, verifiable business history, and data completeness in public records. A score of 705 is in the "acceptable" range and indicates that LOUIS FLORES maintains a documented business presence but may have gaps in online disclosures, limited public review data, or other profile factors that regulators or Verdica's algorithms flag. This is the weakest of the three sub-scores and likely accounts for the overall composite score sitting below 800. In practical terms, it may mean less third-party corroboration or fewer independent data points available to verify claims.
What regulators track for real estate providers
State licensing commissions maintain records of active licenses, disciplinary history, continuing education compliance, and trust account management for real estate agents and brokers. The CFPB collects and publishes complaints related to mortgages, credit reporting, and consumer financial products, including disputes over rates, fees, and disclosure accuracy. HUD enforces the Fair Housing Act and tracks complaints of discrimination, steering, and other violations in lending and property transactions.
Infractions that lower a provider's score include unlicensed practice, mishandling client funds, failure to disclose material information, fair lending violations, and unresolved consumer complaints. Conversely, clean licensing records, prompt complaint resolution, and transparent business operations support higher scores. These data sources are designed to protect consumers by creating accountability across the real estate and lending industry.
Bottom line
LOUIS FLORES scores in the strong-to-excellent range with a perfect compliance record but room for improvement in business profile transparency. Before engaging this provider, verify that their specific license is active in your state, review any available customer feedback independently, and confirm the services offered meet your particular needs.