---
canonical_url: https://lendb.ai/lo/kirk-rau-1466931
json_url: https://lendb.ai/lo/kirk-rau-1466931.json
nmls_id: 1466931
last_verified: 2026-10-09
---

# Kirk Rau

Loan Officer at Empire Home Loans, Fair Oaks, CA. NMLS ID 1466931 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1466931)).

**Summary:** Kirk Rau (NMLS 1466931) is Loan Officer at Empire Home Loans, based in Fair Oaks, CA. Focus areas shown on the lender page: First-time buyer. Earliest state license record: February 18, 2022 (Florida), per state regulator. Last verified 2026-10-09.

## At a glance

- Earliest state license record: February 18, 2022 (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

- **First-time buyer** (`first-time-buyer`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.empirehomeloans.com/team/kirk

## About

Kirk is a Retirement Mortgage Advisor who specializes in helping first-time buyers and homeowners 55+ strengthen retirement income and legacy plans. He has an education background and maintains a 4.95 rating across 90+ reviews.

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

## Facts from the lender page and intro

- role: Retirement Mortgage Advisor and strategic mortgage planner. Source: https://www.empirehomeloans.com/team/kirk, verified 2026-10-09.
- education: Background in education. Source: https://www.empirehomeloans.com/team/kirk, verified 2026-10-09.
- credential: 4.95 rating across 90+ online reviews. Source: https://www.empirehomeloans.com/team/kirk, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO102681 | expired | confirmed | 2022-02-18 | state_regulator | 2026-10-09 |

## Employment history

- ? to present: Empire Home Loans (NMLS 1839243), Fair Oaks, CA. Source: https://www.empirehomeloans.com/team/kirk, 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/1466931

## Contact

- View profile at Empire Home Loans: https://www.empirehomeloans.com/team/kirk
- Office phone and Email on file: shown at https://lendb.ai/lo/kirk-rau-1466931#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1466931
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip
- lender_site: https://www.empirehomeloans.com/team/kirk

Cite as: Kirk Rau (NMLS 1466931), Empire Home Loans. LenDb.ai, https://lendb.ai/lo/kirk-rau-1466931, last verified 2026-10-09.

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