---
canonical_url: https://lendb.ai/lo/leo-whitton-225498
json_url: https://lendb.ai/lo/leo-whitton-225498.json
nmls_id: 225498
last_verified: 2026-10-09
---

# Leo Whitton

Founding Partner at Empire Home Loans, Fair Oaks, CA. NMLS ID 225498 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/225498)).

**Summary:** Leo Whitton (NMLS 225498) is Founding Partner at Empire Home Loans, based in Fair Oaks, CA. Licensed in Florida, confirmed with the state regulator (license LO104245). Also lists California on the lender page (not yet checked with the state regulator). Earliest state license record: March 16, 2022 (Florida), per state regulator. Last verified 2026-10-09.

## At a glance

- Earliest state license record: March 16, 2022 (Florida), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Licensed in: Florida (FL, confirmed), 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

Leo has nearly 30 years in mortgage lending (since 1993), including 20 years in wholesale with $4B+ personal production. He co-founded Empire Home Loans and served as VP of the California Association of Mortgage Professionals (2017).

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

## Facts from the lender page and intro

- years_experience: since 1993. Source: https://www.empirehomeloans.com/team/Leo, verified 2026-10-09.
- role: Co-founder and Managing Partner/VP of Empire Home Loans, Inc.. Source: https://www.empirehomeloans.com/team/Leo, verified 2026-10-09.
- credential: Vice President of California Association of Mortgage Professionals (2017). Source: https://www.empirehomeloans.com/team/Leo, verified 2026-10-09.
- credential: Board member and President of Greater Sacramento CAMP chapter (multiple terms). Source: https://www.empirehomeloans.com/team/Leo, verified 2026-10-09.
- credential: Graduated from Oakmont High School (1986). Source: https://www.empirehomeloans.com/team/Leo, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO104245 | active | confirmed | 2022-03-16 | state_regulator | 2026-10-09 |
| 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/Leo, 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/225498

## Contact

- View profile at Empire Home Loans: https://www.empirehomeloans.com/team/Leo
- Office phone and Email on file: shown at https://lendb.ai/lo/leo-whitton-225498#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/225498
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip
- lender_site: https://www.empirehomeloans.com/team/Leo

Cite as: Leo Whitton (NMLS 225498), Empire Home Loans. LenDb.ai, https://lendb.ai/lo/leo-whitton-225498, last verified 2026-10-09.

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