Ricardo Apodaca

OPTIMUM FIRST INC.

NMLS ID 2638004 (opens in a new tab) · verify at NMLS Consumer Access

Ricardo Apodaca (NMLS 2638004) is a mortgage loan officer at OPTIMUM FIRST INC., licensed in Illinois since 2026 and in Texas, California and Pennsylvania.

Last verified . Sources: OPTIMUM FIRST INC. (sml.texas.gov), Texas state regulator, California state regulator, Pennsylvania state regulator, Illinois state regulator and NMLS Consumer Access (license status, check live).

Quick answers

Is Ricardo licensed in Texas?
Yes. Texas regulator records list a license as active, first effective September 7, 2026 (verified 2026-10-13). LenDb has 3 other states on file for Ricardo.
Source: Texas state regulator (opens in a new tab)
What lender does Ricardo work for?
OPTIMUM FIRST INC., company NMLS 240415, per the lender's own site (verified 2026-10-13).
Source: lender site (opens in a new tab)
How long has Ricardo been licensed?
The earliest state license record LenDb holds for Ricardo is from July 24, 2026 (Illinois regulator). That is a record date from the rosters we hold, not proof of continuous licensure.
Source: Illinois state regulator (opens in a new tab)

Specialties

Focus

No focus listed on their lender page yet.

    Focus is the loan officer's own: their bio, title, a certification or their own specialty list on their lender page, or what they report. Programs their lender offers are listed separately and never count as their focus in search.

    Licensed states

    AKMEVTNHWAIDMTNDMNILWIMINYMARIORNVWYSDIAINOHPANJCTCAUTCONEMOKYWVVAMDDEAZNMKSARTNNCSCDCOKLAMSALGAHITXFL

    Texas, California, Pennsylvania, Illinois

    ✓ Confirmed with the state regulator: TX (opens in a new tab), CA DRE (opens in a new tab) (02443149), PA (opens in a new tab) (122898), IL (opens in a new tab) (31.0095749, first effective 2026-07-24), verified 2026-10-13.

    Contact

    No public business contact on file.

    We never see who you contact.

    Employment history

    1. OPTIMUM FIRST INC. NMLS 240415

      Current · seen on lender site 2026-10-13

    Disciplinary history

    Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access (opens in a new tab).

    Sources

    Name and employerstate regulator · sml.texas.gov (opens in a new tab)verified 2026-10-13
    Licenses (regulator)state regulator · idfpr.illinois.gov (opens in a new tab)verified 2026-10-28
    License statusNMLS Consumer Access (opens in a new tab)check live

    Also available as Markdown, JSON, or via the API.

    Cite as: Ricardo Apodaca (NMLS 2638004), OPTIMUM FIRST INC.. LenDb.ai, https://lendb.ai/lo/ricardo-apodaca-2638004, last verified 2026-10-28.

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