---
canonical_url: https://lendb.ai/lo/ricardo-hernandez-2230781
json_url: https://lendb.ai/lo/ricardo-hernandez-2230781.json
nmls_id: 2230781
last_verified: 2026-10-11
---

# Ricky Hernandez

Loan Officer at CMG Home Loans, Spring, TX. NMLS ID 2230781 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2230781)).

**Summary:** Ricky Hernandez (NMLS 2230781) is Loan Officer at CMG Home Loans, based in Spring, TX. Focus areas shown on the lender page: Down payment assistance, Jumbo loan, New construction, FHA loan and VA loan. Speaks English and Spanish. Earliest state license record: April 4, 2025 (Florida), per state regulator. Last verified 2026-10-11.

## At a glance

- Earliest state license record: April 4, 2025 (Florida), per state regulator. 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: English, Spanish
- Profile: unclaimed
- Status: active

## Specialties

- **Down payment assistance** (`down-payment-assistance`): lender page, confidence 0.70, verified 2026-10-11. Source: https://www.cmghomeloans.com/mysite/ricky-hernandez
- **Jumbo loan** (`jumbo`): lender page, confidence 0.53, verified 2026-10-11. Source: https://www.cmghomeloans.com/mysite/ricky-hernandez
- **New construction** (`new-construction`): lender page, confidence 0.50, verified 2026-10-11. Source: https://www.cmghomeloans.com/mysite/ricky-hernandez
- **FHA loan** (`fha`): lender page, confidence 0.33, verified 2026-10-11. Source: https://www.cmghomeloans.com/mysite/ricky-hernandez
- **VA loan** (`va`): lender page, confidence 0.19, verified 2026-10-11. Source: https://www.cmghomeloans.com/mysite/ricky-hernandez
- **First-time buyer** (`first-time-buyer`): lender page, confidence 0.16, verified 2026-10-11. Source: https://www.cmghomeloans.com/mysite/ricky-hernandez

## About

Ricky Hernandez is a bilingual loan officer serving Houston, The Woodlands and surrounding areas. They specialize in FHA, VA, Conventional, Jumbo and down payment assistance programs and reported helping 33 families in 2025.

Source: LenDb summary of the lender page, verified 2026-10-11.

## Facts from the lender page and intro

- service_area: Houston, The Woodlands, and surrounding areas. Source: https://www.cmghomeloans.com/mysite/ricky-hernandez, verified 2026-10-11.
- other: Helped 33 families achieve homeownership and funded over $10 million in loan volume in 2025. Source: https://www.cmghomeloans.com/mysite/ricky-hernandez, verified 2026-10-11.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO136894 | expired | confirmed | 2025-04-04 | state_regulator | 2026-10-09 |

## Employment history

- ? to present: CMG Home Loans (NMLS 1820), Spring, TX. Source: https://www.cmghomeloans.com/mysite/ricky-hernandez, verified 2026-10-11.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2230781

## Contact

- View profile at CMG Home Loans: https://www.cmghomeloans.com/mysite/ricky-hernandez
- Office phone and Email on file: shown at https://lendb.ai/lo/ricardo-hernandez-2230781#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2230781
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip
- lender_site: https://www.cmghomeloans.com/mysite/ricky-hernandez

Cite as: Ricky Hernandez (NMLS 2230781), CMG Home Loans. LenDb.ai, https://lendb.ai/lo/ricardo-hernandez-2230781, last verified 2026-10-11.

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