---
canonical_url: https://lendb.ai/lo/phil-carr-106501
json_url: https://lendb.ai/lo/phil-carr-106501.json
nmls_id: 106501
last_verified: 2026-10-09
---

# Phil Carr

Loan Officer at Empire Home Loans. NMLS ID 106501 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/106501)).

**Summary:** Phil Carr (NMLS 106501) is Loan Officer at Empire Home Loans. Focus areas shown on the lender page: First-time buyer, Manufactured home and New construction. 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: 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/phil
- **Manufactured home** (`manufactured`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.empirehomeloans.com/team/phil
- **New construction** (`new-construction`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.empirehomeloans.com/team/phil

## About

Phil has nearly 40 years in financial services. He specializes in new construction and rehabilitation loans including site-built, modular, and manufactured homes, and is passionate about helping first-time buyers and veterans.

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

## Facts from the lender page and intro

- years_experience: almost 40 years. Source: https://www.empirehomeloans.com/team/phil, verified 2026-10-09.
- role: former Builder. Source: https://www.empirehomeloans.com/team/phil, verified 2026-10-09.

## Licenses

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

## Employment history

- ? to present: Empire Home Loans (NMLS 1839243). Source: https://www.empirehomeloans.com/team/phil, 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/106501

## Contact

- View profile at Empire Home Loans: https://www.empirehomeloans.com/team/phil
- Office phone and Email on file: shown at https://lendb.ai/lo/phil-carr-106501#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/106501
- lender_site: https://www.empirehomeloans.com/team/phil

Cite as: Phil Carr (NMLS 106501), Empire Home Loans. LenDb.ai, https://lendb.ai/lo/phil-carr-106501, last verified 2026-10-09.

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