---
canonical_url: https://lendb.ai/lo/julie-yarbrough-288648
json_url: https://lendb.ai/lo/julie-yarbrough-288648.json
nmls_id: 288648
last_verified: 2026-10-09
---

# Julie Yarbrough

Founding Partner at Empire Home Loans, Fair Oaks, CA. NMLS ID 288648 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/288648)).

**Summary:** Julie Yarbrough (NMLS 288648) is Founding Partner at Empire Home Loans, based in Fair Oaks, CA. Lists California on the lender page (not yet checked with the state regulator). Last verified 2026-10-09.

## 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: California (CA, lender_reported)
- 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


## About

Julie is a mortgage industry veteran starting in 1989 with 35+ years of experience spanning loan origination, banking, and operations management. She co-founded Empire Home Loans focusing on people development and female empowerment in the industry.

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

## Facts from the lender page and intro

- years_experience: since 1989. Source: https://www.empirehomeloans.com/team/Julie, verified 2026-10-09.
- role: Co-founder and Founding Partner of Empire Home Loans, Inc.. Source: https://www.empirehomeloans.com/team/Julie, verified 2026-10-09.
- role: President of mortgage division at Five Star Bank. Source: https://www.empirehomeloans.com/team/Julie, verified 2026-10-09.
- role: Founder of Gateway Capital mortgage brokerage. Source: https://www.empirehomeloans.com/team/Julie, verified 2026-10-09.
- credential: Graduate of National Speakers Association (NSA) leadership courses. Source: https://www.empirehomeloans.com/team/Julie, verified 2026-10-09.
- credential: Graduate with distinction from Future Leaders, CMBA (Pepperdine University). Source: https://www.empirehomeloans.com/team/Julie, verified 2026-10-09.
- credential: PR Chairperson of Sacramento CAMP Board for 7 years. Source: https://www.empirehomeloans.com/team/Julie, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| CA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: Empire Home Loans (NMLS 1839243), Fair Oaks, CA. Source: https://www.empirehomeloans.com/team/Julie, 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/288648

## Contact

- View profile at Empire Home Loans: https://www.empirehomeloans.com/team/Julie
- Office phone and Email on file: shown at https://lendb.ai/lo/julie-yarbrough-288648#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/288648
- lender_site: https://www.empirehomeloans.com/team/Julie

Cite as: Julie Yarbrough (NMLS 288648), Empire Home Loans. LenDb.ai, https://lendb.ai/lo/julie-yarbrough-288648, last verified 2026-10-09.

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