---
canonical_url: https://lendb.ai/lo/ricardo-cardenas-229611
json_url: https://lendb.ai/lo/ricardo-cardenas-229611.json
nmls_id: 229611
last_verified: 2026-10-15
---

# Ricardo Cardenas

Loan Officer at The Mortgage Link, Inc., Rockville, MD. NMLS ID 229611 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/229611)).

**Summary:** Ricardo Cardenas (NMLS 229611) is Loan Officer at The Mortgage Link, Inc., based in Rockville, MD. Lists California, Maryland and Virginia on the lender page (not yet checked with the state regulator). Speaks Spanish. States 25 years of experience. Last verified 2026-10-15.

## 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): 25 (source: https://www.themortgagelink.com/loan-officer/ricardo-cardenas, verified 2026-10-15)
- Licensed in: California (CA, lender_reported), Maryland (MD, lender_reported), Virginia (VA, lender_reported)
- 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: Spanish
- Profile: unclaimed
- Status: active

## Specialties

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

- None on file yet.

## Facts from the lender page and intro

- years_experience: 25. Source: https://www.themortgagelink.com/loan-officer/ricardo-cardenas, verified 2026-10-15.
- service_area: Maryland and Virginia. Source: https://www.themortgagelink.com/loan-officer/ricardo-cardenas, verified 2026-10-15.
- community: Pastor who has led Casa de Dios Church in Clarksburg for more than 16 years. Source: https://www.themortgagelink.com/loan-officer/ricardo-cardenas, verified 2026-10-15.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| CA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-15 |
| MD | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-15 |
| VA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-15 |

## Employment history

- ? to present: The Mortgage Link, Inc. (NMLS 113054), Rockville, MD. Source: https://www.themortgagelink.com/loan-officer/ricardo-cardenas, 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/229611

## Contact

- View profile at The Mortgage Link, Inc.: https://www.themortgagelink.com/loan-officer/ricardo-cardenas
- Office phone and Email on file: shown at https://lendb.ai/lo/ricardo-cardenas-229611#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/229611
- lender_site: https://www.themortgagelink.com/loan-officer/ricardo-cardenas
- HUD (FHA data): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot

Cite as: Ricardo Cardenas (NMLS 229611), The Mortgage Link, Inc.. LenDb.ai, https://lendb.ai/lo/ricardo-cardenas-229611, last verified 2026-10-15.

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