---
canonical_url: https://lendb.ai/lo/andi-smith-2243427
json_url: https://lendb.ai/lo/andi-smith-2243427.json
nmls_id: 2243427
last_verified: 2026-10-09
---

# Andi Smith

Loan Officer at Empire Home Loans. NMLS ID 2243427 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2243427)).

**Summary:** Andi Smith (NMLS 2243427) is Loan Officer at Empire Home Loans. Licensed in 2 states confirmed with state regulators: Florida and Colorado. Earliest state license record: January 12, 2022 (Colorado), per state regulator. Last verified 2026-10-09.

## At a glance

- Earliest state license record: January 12, 2022 (Colorado), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Licensed in: Florida (FL, confirmed), Colorado (CO, confirmed)
- 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

Andi entered mortgage lending in late 2022 and has earned Top 1% Loan Officer honors nationwide in 2024 and 2025, with recognition in South Carolina and Colorado. She specializes in conventional, FHA, VA, jumbo, reverse mortgages, and investment property loans.

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

## Facts from the lender page and intro

- years_experience: since 2022. Source: https://www.empirehomeloans.com/team/andi, verified 2026-10-09.
- credential: Top 1% Loan Officer nationwide in 2024 and 2025. Source: https://www.empirehomeloans.com/team/andi, verified 2026-10-09.
- credential: Top 1% Loan Officer in South Carolina and Colorado. Source: https://www.empirehomeloans.com/team/andi, verified 2026-10-09.
- credential: Top 25 Loan Officer in South Carolina. Source: https://www.empirehomeloans.com/team/andi, verified 2026-10-09.
- role: Built and operated several successful businesses before entering mortgage industry. Source: https://www.empirehomeloans.com/team/andi, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO138967 | active | confirmed | 2025-06-18 | state_regulator | 2026-10-09 |
| CO | state_license | 100529778 | active | confirmed | 2022-01-12 | state_regulator | 2026-10-10 |

## Employment history

- ? to present: Empire Home Loans (NMLS 1839243). Source: https://www.empirehomeloans.com/team/andi, 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/2243427

## Contact

- View profile at Empire Home Loans: https://www.empirehomeloans.com/team/andi
- Office phone and Email on file: shown at https://lendb.ai/lo/andi-smith-2243427#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2243427
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip
- state_regulator: https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=291507&contact=516856
- lender_site: https://www.empirehomeloans.com/team/andi

Cite as: Andi Smith (NMLS 2243427), Empire Home Loans. LenDb.ai, https://lendb.ai/lo/andi-smith-2243427, last verified 2026-10-09.

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