--- canonical_url: https://lendb.ai/lo/andres-espineira-331280 json_url: https://lendb.ai/lo/andres-espineira-331280.json nmls_id: 331280 last_verified: 2026-10-28 --- # Andy Espineira Sales Manager - VP at Ladera Lending, Inc., Ladera Ranch, CA. NMLS ID 331280 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/331280)). Based in Ladera Ranch, California, Andy Espineira (NMLS 331280) is a Sales Manager - VP at Ladera Lending, Inc., licensed in Florida since 2018 and in Texas, California, Oregon and 4 more states. Andy works at an FHA-approved lender, per HUD. **Summary:** Andy Espineira (NMLS 331280) is Sales Manager - VP at Ladera Lending, Inc., based in Ladera Ranch, CA. Licensed in 8 states confirmed with state regulators: Florida, Texas, California, Oregon, Massachusetts, Maryland, Wyoming and Illinois. Earliest state license record: May 15, 2018 (Florida), per state regulator. Last verified 2026-10-28. ## Quick answers ### Is Andy licensed in California? Yes. California regulator records list license 01258936 as active (verified 2026-10-24). LenDb has 7 other states on file for Andy. Source: https://www.dre.ca.gov/Licensees/ExamineeLicenseeListDataFiles.html. ### What lender does Andy work for, and is it FHA-approved? Ladera Lending, Inc., company NMLS 835555, from the Ladera Ranch, CA office, per the lender's own site (verified 2026-10-21). Works at an FHA-approved lender, per HUD (HUD FHA data, loans endorsed through Aug 2026). Source: https://laderalending.com/team-member/andy-espineira/. ### How long has Andy been licensed? The earliest state license record LenDb holds for Andy is from May 15, 2018 (Florida regulator). That is a record date from the rosters we hold, not proof of continuous licensure. Source: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip. ## At a glance - Earliest state license record: May 15, 2018 (Florida), 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), Texas (TX, confirmed), California (CA DRE, confirmed), Oregon (OR, confirmed), California (CA DFPI, confirmed), Massachusetts (MA, confirmed), Maryland (MD, confirmed), Wyoming (WY, confirmed), Illinois (IL, confirmed) - 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 (Languages come only from the loan officer's own lender page, and most lender pages do not list languages. A language that is not listed means not stated, not that the loan officer does not speak it.) - Profile: unclaimed - Status: active ## Specialties ### Focus (officer level: their own bio, title, certification, specialty list or claim) - None on file yet. ## Facts from the lender page and intro - years_experience: since 1997. Source: https://laderalending.com/team-member/andy-espineira/, verified 2026-10-21. - other: opened own brokerage firm and operated it for about 10 years. Source: https://laderalending.com/team-member/andy-espineira/, verified 2026-10-21. - other: with Ladera Lending since 2010. Source: https://laderalending.com/team-member/andy-espineira/, verified 2026-10-21. - service_area: Orange County Area and all over California. Source: https://laderalending.com/team-member/andy-espineira/, verified 2026-10-21. ## Licenses | State | Regulator | Type | Number | Status | Confidence | Issued | Source | Verified | |---|---|---|---|---|---|---|---|---| | FL | Florida regulator | state_license | LO53453 | active | confirmed | 2018-05-15 | state_regulator | 2026-10-15 | | TX | Texas regulator | state_license | n/a | active | confirmed | 2018-08-24 | state_regulator | 2026-10-13 | | CA | California Department of Real Estate | state_license | 01258936 | active | confirmed | | state_regulator | 2026-10-24 | | OR | Oregon regulator | state_license | 331280 | active | confirmed | 2020-03-25 | state_regulator | 2026-10-20 | | CA | California Department of Financial Protection and Innovation | state_license | CA-DFPI331280 | active | confirmed | 2020-10-09 | state_regulator | 2026-10-24 | | MA | Massachusetts regulator | state_license | MLO331280 | active | confirmed | | state_regulator | 2026-10-26 | | MD | Maryland regulator | state_license | n/a | active | confirmed | | state_regulator | 2026-10-26 | | WY | Wyoming regulator | state_license | 106850 | active | confirmed | 2024-01-30 | state_regulator | 2026-10-27 | | IL | Illinois regulator | state_license | 31.0073842 | active | confirmed | 2021-12-08 | state_regulator | 2026-10-28 | ## Employment history - ? to present: Ladera Lending, Inc. (NMLS 835555), Ladera Ranch, CA. Source: https://laderalending.com/team-member/andy-espineira/, verified 2026-10-21. ## Disciplinary history Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/331280 ## Contact - View profile at Ladera Lending, Inc.: https://laderalending.com/team-member/andy-espineira/ - Office phone and Email on file: shown at https://lendb.ai/lo/andres-espineira-331280#contact after a quick human check (not available in this file, the API or MCP). ## Sources - nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/331280 - state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip - state_regulator: https://www.sml.texas.gov/ - state_regulator: https://www.dre.ca.gov/Licensees/ExamineeLicenseeListDataFiles.html - state_regulator: https://dfr.oregon.gov/ - state_regulator: https://dfpi.ca.gov/ - state_regulator: https://www.mass.gov/lists/download-a-list-of-approved-licensees - state_regulator: https://www.labor.maryland.gov/finance/ - state_regulator: https://wyomingbankingdivision.wyo.gov/ - state_regulator: https://idfpr.illinois.gov/banks/resfin.html - state_regulator: https://laderalending.com/team-member/andy-espineira/ - HUD (FHA data): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot Cite as: Andy Espineira (NMLS 331280), Ladera Lending, Inc.. LenDb.ai, https://lendb.ai/lo/andres-espineira-331280, last verified 2026-10-28. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._