---
canonical_url: https://lendb.ai/lo/lori-heavin-288608
json_url: https://lendb.ai/lo/lori-heavin-288608.json
nmls_id: 288608
last_verified: 2026-10-09
---

# Lori Heavin

Loan Officer at Empire Home Loans, Fair Oaks, CA. NMLS ID 288608 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/288608)).

**Summary:** Lori Heavin (NMLS 288608) is Loan Officer at Empire Home Loans, based in Fair Oaks, CA. Focus areas shown on the lender page: First-time buyer and Self-employed. States 47 years of experience. 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.
- Years experience (stated by the LO): 47 (source: https://www.empirehomeloans.com/team/loriheavin, verified 2026-10-09)
- 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/loriheavin
- **Self-employed** (`self-employed`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.empirehomeloans.com/team/loriheavin

## About

Lori brings 47 years of mortgage industry experience, starting in childhood. She's known for problem-solving expertise and specializes in helping first-time homebuyers and self-employed borrowers navigate complex lending challenges.

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

## Facts from the lender page and intro

- years_experience: 47. Source: https://www.empirehomeloans.com/team/loriheavin, verified 2026-10-09.
- role: Started as receptionist, advanced to processing within a year, managed and trained loan officers, processors, and underwriters. Source: https://www.empirehomeloans.com/team/loriheavin, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|

## Employment history

- ? to present: Empire Home Loans (NMLS 1839243), Fair Oaks, CA. Source: https://www.empirehomeloans.com/team/loriheavin, 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/288608

## Contact

- View profile at Empire Home Loans: https://www.empirehomeloans.com/team/loriheavin
- Office phone and Email on file: shown at https://lendb.ai/lo/lori-heavin-288608#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/288608
- lender_site: https://www.empirehomeloans.com/team/loriheavin

Cite as: Lori Heavin (NMLS 288608), Empire Home Loans. LenDb.ai, https://lendb.ai/lo/lori-heavin-288608, last verified 2026-10-09.

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