Ricardo Flores

Mortgage Loan Officer at Clear Mortgage Capital, Inc.

NMLS ID 642695 (opens in a new tab) · verify at NMLS Consumer Access

Ricardo Flores (NMLS 642695) is a Mortgage Loan Officer at Clear Mortgage Capital, Inc., licensed in Texas since 2021 and in Florida and California. Ricardo's lender page shows a focus on first-time buyer and real estate investor, and Ricardo speaks English and Spanish.

Last verified 2026-10-24. Sources: Clear Mortgage Capital, Inc. (clearmortgagecapital.com), Florida state regulator, Texas state regulator, California state regulator and NMLS Consumer Access (license status, check live).

Earliest state license record: August 13, 2021 (Texas), per state regulator
25 years experience (stated)
3 states
Unclaimed profile
Disciplinary history not yet checked

Quick answers

Is Ricardo licensed in Florida?: Yes. Florida regulator records list license LO111997 as active, first effective August 15, 2022 (verified 2026-10-15). LenDb has 2 other states on file for Ricardo.; Source: Florida state regulator (opens in a new tab)
Does Ricardo list first-time buyer as a focus?: Ricardo's profile lists first-time buyer as a focus (from their lender profile page). It also lists real estate investor.; Source: lender page (opens in a new tab)
What lender does Ricardo work for?: Clear Mortgage Capital, Inc., company NMLS 1935005, per the lender's own site (verified 2026-10-21).; Source: lender site (opens in a new tab)
What languages does Ricardo speak?: English and Spanish, per their lender page (verified 2026-10-21).; Source: lender page (opens in a new tab)
How long has Ricardo been licensed?: The earliest state license record LenDb holds for Ricardo is from August 13, 2021 (Texas regulator). That is a record date from the rosters we hold, not proof of continuous licensure. Ricardo states 25 years of experience.; Source: Texas state regulator (opens in a new tab)

Specialties

Focus

Where we saw these: clearmortgagecapital.com (opens in a new tab)

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.

Languages

English
Spanish

Source: state regulator (opens in a new tab), verified 2026-10-21

Licensed states

Florida, Texas, California

✓ Confirmed with the state regulator: FL (opens in a new tab) (LO111997, first effective 2022-08-15), TX (opens in a new tab), CA DRE (opens in a new tab) (02140255), CA DFPI (opens in a new tab) (CA-DFPI642695, first effective 2023-03-21), verified 2026-10-15.

Contact

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Employment history

Clear Mortgage Capital, Inc. NMLS 1935005
Current · seen on lender site 2026-10-21

Disciplinary history

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

About

Role: Real Estate & Capital Advisor; Source (opens in a new tab), verified 2026-10-21
Serves: Inland Empire, greater Southern California; Source (opens in a new tab), verified 2026-10-21
Education: University of California, Riverside, Business Administration degree; Source (opens in a new tab), verified 2026-10-21
Role: background in mortgage lending, financial advising, business banking and regional leadership; Source (opens in a new tab), verified 2026-10-21

Sources

Name and employer	state regulator · clearmortgagecapital.com (opens in a new tab)	verified 2026-10-21
Licenses (regulator)	state regulator · dfpi.ca.gov (opens in a new tab)	verified 2026-10-24
Specialties	lender site · clearmortgagecapital.com (opens in a new tab)	verified 2026-10-21
Languages	state regulator · clearmortgagecapital.com (opens in a new tab)	verified 2026-10-21
Contact	lender site · clearmortgagecapital.com (opens in a new tab)	verified 2026-10-21
License status	NMLS Consumer Access (opens in a new tab)	check live

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

Cite as: Ricardo Flores (NMLS 642695), Clear Mortgage Capital, Inc.. LenDb.ai, https://lendb.ai/lo/ricardo-flores-642695, last verified 2026-10-24.

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