---
canonical_url: https://lendb.ai/lo/james-payne-2366717
json_url: https://lendb.ai/lo/james-payne-2366717.json
nmls_id: 2366717
last_verified: 2026-10-09
---

# Brad Payne

Loan Officer at Empire Home Loans. NMLS ID 2366717 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2366717)).

**Summary:** Brad Payne (NMLS 2366717) is Loan Officer at Empire Home Loans. Focus areas shown on the lender page: FHA loan. Earliest state license record: June 25, 2024 (Florida), per state regulator. Last verified 2026-10-09.

## At a glance

- Earliest state license record: June 25, 2024 (Florida), per state regulator. 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
- 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

- **FHA loan** (`fha`): lender page, confidence 0.85, verified 2026-10-09. Source: https://www.empirehomeloans.com/team/bradp

## About

Finance degree holder with MBA, specializes in Lowcountry real estate (Hilton Head, Beaufort, Hardeeville). Passionate about FHA loans after using low-down-payment FHA to purchase while managing family planning.

Source: LenDb summary of the lender page, verified 2026-10-09.

## Facts from the lender page and intro

- education: Finance degree from UGA, MBA in finance from Northwestern University. Source: https://www.empirehomeloans.com/team/bradp, verified 2026-10-09.
- service_area: Lowcountry (Hilton Head, Beaufort, Hardeeville). Source: https://www.empirehomeloans.com/team/bradp, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO129754 | expired | confirmed | 2024-06-25 | state_regulator | 2026-10-09 |

## Employment history

- ? to present: Empire Home Loans (NMLS 1839243). Source: https://www.empirehomeloans.com/team/bradp, verified 2026-10-09.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2366717

## Contact

- View profile at Empire Home Loans: https://www.empirehomeloans.com/team/bradp
- Office phone and Email on file: shown at https://lendb.ai/lo/james-payne-2366717#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2366717
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip
- lender_site: https://www.empirehomeloans.com/team/bradp

Cite as: Brad Payne (NMLS 2366717), Empire Home Loans. LenDb.ai, https://lendb.ai/lo/james-payne-2366717, last verified 2026-10-09.

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