---
canonical_url: https://lendb.ai/lo/joshua-champneys-1156263
json_url: https://lendb.ai/lo/joshua-champneys-1156263.json
nmls_id: 1156263
last_verified: 2026-10-09
---

# Joshua Champneys

Loan Officer at Empire Home Loans. NMLS ID 1156263 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1156263)).

**Summary:** Joshua Champneys (NMLS 1156263) is Loan Officer at Empire Home Loans. Licensed in Florida, confirmed with the state regulator (license LO51597). Focus areas shown on the lender page: Real estate investor, Construction loan, FHA loan, Jumbo loan and Manufactured home. Earliest state license record: March 14, 2018 (Florida), per state regulator. States 18 years of experience. Last verified 2026-10-09.

## At a glance

- Earliest state license record: March 14, 2018 (Florida), 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): 18 (source: https://www.empirehomeloans.com/team/josh, verified 2026-10-09)
- Licensed in: Florida (FL, 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
- Profile: unclaimed
- Status: active

## Specialties

- **Real estate investor** (`investor`): lender page, confidence 0.80, verified 2026-10-09. Source: https://www.empirehomeloans.com/team/josh
- **Construction loan** (`construction`): lender page, confidence 0.70, verified 2026-10-09. Source: https://www.empirehomeloans.com/team/josh
- **FHA loan** (`fha`): lender page, confidence 0.70, verified 2026-10-09. Source: https://www.empirehomeloans.com/team/josh
- **Jumbo loan** (`jumbo`): lender page, confidence 0.70, verified 2026-10-09. Source: https://www.empirehomeloans.com/team/josh
- **Manufactured home** (`manufactured`): lender page, confidence 0.70, verified 2026-10-09. Source: https://www.empirehomeloans.com/team/josh
- **Renovation loan (203k / HomeStyle)** (`renovation`): lender page, confidence 0.70, verified 2026-10-09. Source: https://www.empirehomeloans.com/team/josh
- **Reverse mortgage** (`reverse`): lender page, confidence 0.70, verified 2026-10-09. Source: https://www.empirehomeloans.com/team/josh
- **USDA loan** (`usda`): lender page, confidence 0.70, verified 2026-10-09. Source: https://www.empirehomeloans.com/team/josh
- **VA loan** (`va`): lender page, confidence 0.70, verified 2026-10-09. Source: https://www.empirehomeloans.com/team/josh

## About

Joshua is known as the "Mortgage Dad" with 18 years serving working families and 15 years of financial services experience across 20 states. A real estate investor with background in counseling and pastoral ministry, he specializes in helping families make sound financial decisions.

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

## Facts from the lender page and intro

- years_experience: 18. Source: https://www.empirehomeloans.com/team/josh, verified 2026-10-09.
- role: Branch Manager and Loan Officer, builder of multi-million-dollar financial services and insurance brokerages. Source: https://www.empirehomeloans.com/team/josh, verified 2026-10-09.
- service_area: 20 states. Source: https://www.empirehomeloans.com/team/josh, verified 2026-10-09.
- community: Volunteers teaching financial wellness courses on budgeting, insurance planning and retirement. Source: https://www.empirehomeloans.com/team/josh, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO51597 | active | confirmed | 2018-03-14 | state_regulator | 2026-10-09 |

## Employment history

- ? to present: Empire Home Loans (NMLS 1839243). Source: https://www.empirehomeloans.com/team/josh, 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/1156263

## Contact

- View profile at Empire Home Loans: https://www.empirehomeloans.com/team/josh
- Office phone and Email on file: shown at https://lendb.ai/lo/joshua-champneys-1156263#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1156263
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip
- lender_site: https://www.empirehomeloans.com/team/josh

Cite as: Joshua Champneys (NMLS 1156263), Empire Home Loans. LenDb.ai, https://lendb.ai/lo/joshua-champneys-1156263, last verified 2026-10-09.

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