---
canonical_url: https://lendb.ai/lo/erica-zepko-1301941
json_url: https://lendb.ai/lo/erica-zepko-1301941.json
nmls_id: 1301941
last_verified: 2026-10-26
---

# Erica Zepko

Loan Officer at United American Mortgage Corporation, Costa Mesa, CA. NMLS ID 1301941 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1301941)).

Erica Zepko (NMLS 1301941) is a Loan Officer at United American Mortgage Corporation in Costa Mesa, California, licensed in California.

**Summary:** Erica Zepko (NMLS 1301941) is Loan Officer at United American Mortgage Corporation, based in Costa Mesa, CA. Licensed in California, confirmed with the state regulator (license 01960033). Earliest state license record: February 20, 2018 (Florida), per state regulator. Last verified 2026-10-26.

## Quick answers

### Is Erica licensed in California?

Yes. California regulator records list license 01960033 as active (verified 2026-10-24). Source: https://www.dre.ca.gov/Licensees/ExamineeLicenseeListDataFiles.html.

### What lender does Erica work for?

United American Mortgage Corporation, company NMLS 1942, from the Costa Mesa, CA office, per the lender's own site (verified 2026-10-26). Source: https://www.uamco.com/loan-officer/erica-zepko.

### How long has Erica been licensed?

The earliest state license record LenDb holds for Erica is from February 20, 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_SZ_Monthly.zip.

## At a glance

- Earliest state license record: February 20, 2018 (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): Erica M. Zepko (CA, FL, as of 2026-10-15)
- Licensed in: California (CA DRE, 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 | LO50970 | expired | confirmed | 2018-02-20 | state_regulator | 2026-10-15 |
| CA | California Department of Real Estate | state_license | 01960033 | active | confirmed |  | state_regulator | 2026-10-24 |

## Employment history

- ? to present: United American Mortgage Corporation (NMLS 1942), Costa Mesa, CA. Source: https://www.uamco.com/loan-officer/erica-zepko, verified 2026-10-26.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1301941

## Contact

- View profile at United American Mortgage Corporation: https://www.uamco.com/loan-officer/erica-zepko
- Office phone and Email on file: shown at https://lendb.ai/lo/erica-zepko-1301941#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1301941
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip
- state_regulator: https://www.dre.ca.gov/Licensees/ExamineeLicenseeListDataFiles.html
- state_regulator: https://www.uamco.com/loan-officer/erica-zepko

Cite as: Erica Zepko (NMLS 1301941), United American Mortgage Corporation. LenDb.ai, https://lendb.ai/lo/erica-zepko-1301941, last verified 2026-10-26.

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