---
canonical_url: https://lendb.ai/lo/patricio-cardenas-reyes-2728822
json_url: https://lendb.ai/lo/patricio-cardenas-reyes-2728822.json
nmls_id: 2728822
last_verified: 2026-10-15
---

# Patrick Cardenas Reyes

Loan Officer at Consumer Real Estate Finance Co., Fort Lauderdale, FL. NMLS ID 2728822 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2728822)).

**Summary:** Patrick Cardenas Reyes (NMLS 2728822) is Loan Officer at Consumer Real Estate Finance Co., based in Fort Lauderdale, FL. Licensed in 3 states confirmed with state regulators: Florida, Pennsylvania and Texas. Focus areas shown on the lender page: Real estate investor. Consumer Real Estate Finance Co. also offers First-time buyer (a lender program, not confirmed as their own focus). Earliest state license record: August 20, 2025 (Texas), per state regulator. Last verified 2026-10-15.

## At a glance

- Earliest state license record: August 20, 2025 (Texas), 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), Pennsylvania (PA, confirmed), Texas (TX, confirmed)
- Works at an FHA-approved lender, per HUD (HUD FHA data, loans endorsed through Aug 2026): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot
- 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

### Focus (officer level: their own bio, title, certification, specialty list or claim)

- **Real estate investor** (`investor`): from their lender profile page, confidence 0.70, verified 2026-10-15. Source: https://societymortgage.com/loan-experts/patrick-cardenas-reyes/

### Their lender offers (lender level: Consumer Real Estate Finance Co.'s programs, not confirmed as this person's focus)

- **First-time buyer** (`first-time-buyer`): verified 2026-10-13. Source: https://societymortgage.com

## About

Patrick Cardenas Reyes tailors financing to each client's goals and timeline, working with both seasoned investors and first-time homebuyers.

Source: LenDb summary of the lender page, verified 2026-10-15.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO143574 | active | confirmed | 2025-12-17 | state_regulator | 2026-10-15 |
| PA | state_license | 116542 | active | confirmed |  | state_regulator | 2026-10-10 |
| TX | state_license | n/a | active | confirmed | 2025-08-20 | state_regulator | 2026-10-13 |

## Employment history

- ? to present: Consumer Real Estate Finance Co. (NMLS 104621), Fort Lauderdale, FL. Source: https://societymortgage.com/loan-experts/patrick-cardenas-reyes/, verified 2026-10-15.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2728822

## Contact

- linkedin_url: https://www.linkedin.com/in/patricio-cardenas-reyes-b97142280/ (source: lender_site, verified 2026-10-15)
- View profile at Consumer Real Estate Finance Co.: https://societymortgage.com/loan-experts/patrick-cardenas-reyes/
- Office phone and Email on file: shown at https://lendb.ai/lo/patricio-cardenas-reyes-2728822#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2728822
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip
- state_regulator: https://data.pa.gov/d/tyxc-jyug
- state_regulator: https://www.sml.texas.gov/
- state_regulator: https://societymortgage.com/loan-experts/patrick-cardenas-reyes/
- state_regulator (lender programs): https://societymortgage.com
- HUD (FHA data): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot

Cite as: Patrick Cardenas Reyes (NMLS 2728822), Consumer Real Estate Finance Co.. LenDb.ai, https://lendb.ai/lo/patricio-cardenas-reyes-2728822, last verified 2026-10-15.

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