---
canonical_url: https://lendb.ai/lo/andrew-nikiforoff-2067400
json_url: https://lendb.ai/lo/andrew-nikiforoff-2067400.json
nmls_id: 2067400
last_verified: 2026-10-20
---

# Andrew Nikiforoff

Loan officer at E Mortgage Capital, Inc.. NMLS ID 2067400 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2067400)).

Andrew Nikiforoff (NMLS 2067400) is a mortgage loan officer at E Mortgage Capital, Inc., licensed in Texas since 2023 and in Florida and Arkansas.

**Summary:** Andrew Nikiforoff (NMLS 2067400) is a loan officer at E Mortgage Capital, Inc.. Licensed in 3 states confirmed with state regulators: Florida, Texas and Arkansas. Earliest state license record: January 24, 2023 (Texas), per state regulator. States 6 years of experience. Last verified 2026-10-20.

## Quick answers

### Is Andrew licensed in Florida?

Yes. Florida regulator records list license LO127630 as active, first effective April 10, 2024 (verified 2026-10-15). LenDb has 2 other states on file for Andrew. Source: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip.

### What lender does Andrew work for?

E Mortgage Capital, Inc., company NMLS 1416824, per the lender's own site (verified 2026-10-20). Source: https://securities.arkansas.gov/loans/nmls/.

### How long has Andrew been licensed?

The earliest state license record LenDb holds for Andrew is from January 24, 2023 (Texas regulator). That is a record date from the rosters we hold, not proof of continuous licensure. Andrew states 6 years of experience. Source: https://www.sml.texas.gov/.

## At a glance

- Earliest state license record: January 24, 2023 (Texas), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Years experience (stated by the LO): 6 (source: https://laderalending.com/team-member/andrew-nikiforoff/, verified 2026-10-15)
- Also licensed as (state regulator records, same NMLS ID): Andrew I. Nikiforoff (AR, FL, TX, as of 2026-10-20)
- Licensed in: Florida (FL, confirmed), Texas (TX, confirmed), Arkansas (AR, 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.

## Facts from the lender page and intro

- years_experience: 6. Source: https://laderalending.com/team-member/andrew-nikiforoff/, verified 2026-10-15.
- service_area: Southern California. Source: https://laderalending.com/team-member/andrew-nikiforoff/, verified 2026-10-15.

## Licenses

| State | Regulator | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|---|
| FL | Florida regulator | state_license | LO127630 | active | confirmed | 2024-04-10 | state_regulator | 2026-10-15 |
| TX | Texas regulator | state_license | n/a | active | confirmed | 2023-01-24 | state_regulator | 2026-10-13 |
| AR | Arkansas regulator | state_license | n/a | active | confirmed |  | state_regulator | 2026-10-20 |

## Employment history

- ? to present: E Mortgage Capital, Inc. (NMLS 1416824). Source: https://securities.arkansas.gov/loans/nmls/, verified 2026-10-20.
- ? to present: Ladera Lending, Inc. (NMLS 835555). Source: https://laderalending.com/team-member/andrew-nikiforoff/, verified 2026-10-15.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2067400

## Contact

- Office phone and Email on file: shown at https://lendb.ai/lo/andrew-nikiforoff-2067400#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2067400
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip
- state_regulator: https://www.sml.texas.gov/
- state_regulator: https://securities.arkansas.gov/loans/nmls/
- state_regulator: https://laderalending.com/team-member/andrew-nikiforoff/

Cite as: Andrew Nikiforoff (NMLS 2067400), E Mortgage Capital, Inc.. LenDb.ai, https://lendb.ai/lo/andrew-nikiforoff-2067400, last verified 2026-10-20.

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