---
canonical_url: https://lendb.ai/lo/nikolas-kosach-1128138
json_url: https://lendb.ai/lo/nikolas-kosach-1128138.json
nmls_id: 1128138
last_verified: 2026-10-09
---

# Nikolas Kosach

Loan Officer at Empire Home Loans, Fair Oaks, CA. NMLS ID 1128138 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1128138)).

**Summary:** Nikolas Kosach (NMLS 1128138) is Loan Officer at Empire Home Loans, based in Fair Oaks, CA. Lists California on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: Real estate investor and First-time buyer. 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

- **Real estate investor** (`investor`): lender page, confidence 0.85, verified 2026-10-09. Source: https://www.empirehomeloans.com/team/nik
- **First-time buyer** (`first-time-buyer`): lender page, confidence 0.75, verified 2026-10-09. Source: https://www.empirehomeloans.com/team/nik

## About

Over a decade of mortgage experience helping first-time buyers to multi-level investors with creative financing solutions. Region's top lender since 2010.

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

## Facts from the lender page and intro

- years_experience: since 2010. Source: https://www.empirehomeloans.com/team/nik, verified 2026-10-09.
- education: Bachelor of Science in Organizational Communication from University of Portland (2006), Master of Art in Kinesiology and Sport Management from St. Mary's College of California (2009). Source: https://www.empirehomeloans.com/team/nik, 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/nik, 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/1128138

## Contact

- View profile at Empire Home Loans: https://www.empirehomeloans.com/team/nik
- Email on file: shown at https://lendb.ai/lo/nikolas-kosach-1128138#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1128138
- lender_site: https://www.empirehomeloans.com/team/nik

Cite as: Nikolas Kosach (NMLS 1128138), Empire Home Loans. LenDb.ai, https://lendb.ai/lo/nikolas-kosach-1128138, last verified 2026-10-09.

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