---
canonical_url: https://lendb.ai/lo/emilio-cardenas-2803141
json_url: https://lendb.ai/lo/emilio-cardenas-2803141.json
nmls_id: 2803141
last_verified: 2026-10-15
---

# Emilio Cardenas

Loan officer at Consumer Real Estate Finance Co.. NMLS ID 2803141 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2803141)).

**Summary:** Emilio Cardenas (NMLS 2803141) is a loan officer at Consumer Real Estate Finance Co.. Consumer Real Estate Finance Co. also offers First-time buyer (a lender program, not confirmed as their own focus). Last verified 2026-10-15.

## At a glance

- Earliest state license record: none on file. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Licensed in: no license list on file; check NMLS Consumer Access
- 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
- Profile: unclaimed
- Status: active

## Specialties

### Focus (officer level: their own bio, title, certification, specialty list or claim)

- None on file yet.

### Their lender offers (lender level: Consumer Real Estate Finance Co.'s programs, not confirmed as this person's focus)

- **First-time buyer** (`first-time-buyer`): verified 2026-10-13. Source: https://societymortgage.com

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|

## Employment history

- ? to present: Consumer Real Estate Finance Co. (NMLS 104621). Source: https://societymortgage.com/loan-experts/emilio-cardenas/, 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/2803141

## Contact

- View profile at Consumer Real Estate Finance Co.: https://societymortgage.com/loan-experts/emilio-cardenas/
- Office phone and Email on file: shown at https://lendb.ai/lo/emilio-cardenas-2803141#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2803141
- lender_site: https://societymortgage.com/loan-experts/emilio-cardenas/
- state_regulator (lender programs): https://societymortgage.com
- HUD (FHA data): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot

Cite as: Emilio Cardenas (NMLS 2803141), Consumer Real Estate Finance Co.. LenDb.ai, https://lendb.ai/lo/emilio-cardenas-2803141, last verified 2026-10-15.

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