---
canonical_url: https://lendb.ai/lo/andres-ramirez-2798278
json_url: https://lendb.ai/lo/andres-ramirez-2798278.json
nmls_id: 2798278
last_verified: 2026-10-20
---

# Andres Ramirez

Loan officer at INDEPENDENCE HOME LOANS LLC. NMLS ID 2798278 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2798278)).

Andres Ramirez (NMLS 2798278) is a mortgage loan officer at INDEPENDENCE HOME LOANS LLC, licensed in Florida since 2026 and in Oregon.

**Summary:** Andres Ramirez (NMLS 2798278) is a loan officer at INDEPENDENCE HOME LOANS LLC. Licensed in 2 states confirmed with state regulators: Florida and Oregon. Earliest state license record: February 13, 2026 (Florida), per state regulator. Last verified 2026-10-20.

## Quick answers

### Is Andres licensed in Florida?

Yes. Florida regulator records list license LO145054 as active, first effective February 13, 2026 (verified 2026-10-15). LenDb has 1 other state on file for Andres. Source: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip.

### What lender does Andres work for?

INDEPENDENCE HOME LOANS LLC, company NMLS 2524174, per the lender's own site (verified 2026-10-20). Source: https://dfr.oregon.gov/.

### How long has Andres been licensed?

The earliest state license record LenDb holds for Andres is from February 13, 2026 (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_JR_Monthly.zip.

## At a glance

- Earliest state license record: February 13, 2026 (Florida), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Also licensed as (state regulator records, same NMLS ID): Andres N. Ramirez (CA, FL, OR, as of 2026-10-22)
- Licensed in: Florida (FL, confirmed), Oregon (OR, 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 (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.

## Licenses

| State | Regulator | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|---|
| FL | Florida regulator | state_license | LO145054 | active | confirmed | 2026-02-13 | state_regulator | 2026-10-15 |
| OR | Oregon regulator | state_license | 716088 | active | confirmed | 2026-04-14 | state_regulator | 2026-10-20 |
| CA | California Department of Financial Protection and Innovation | state_license | CA-DFPI2798278 | inactive | confirmed | 2026-03-17 | state_regulator | 2026-10-24 |

## Employment history

- ? to present: INDEPENDENCE HOME LOANS LLC (NMLS 2524174). Source: https://dfr.oregon.gov/, verified 2026-10-20.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2798278

## Contact


## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2798278
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip
- state_regulator: https://dfr.oregon.gov/
- state_regulator: https://dfpi.ca.gov/

Cite as: Andres Ramirez (NMLS 2798278), INDEPENDENCE HOME LOANS LLC. LenDb.ai, https://lendb.ai/lo/andres-ramirez-2798278, last verified 2026-10-20.

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