--- canonical_url: https://lendb.ai/lo/richard-geary-278781 json_url: https://lendb.ai/lo/richard-geary-278781.json nmls_id: 278781 last_verified: 2026-10-15 --- # Rick Geary Loan Officer at Residential Wholesale Mortgage, Inc., Aliso Viejo, CA. NMLS ID 278781 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/278781)). **Summary:** Rick Geary (NMLS 278781) is Loan Officer at Residential Wholesale Mortgage, Inc., based in Aliso Viejo, CA. Licensed in 2 states confirmed with state regulators: Florida and Texas. Also lists Alabama, Arizona, California, Colorado, Idaho, Indiana, Kentucky, Montana and 5 more on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: Vacation home. Earliest state license record: August 1, 2021 (Texas), per state regulator. States 30 years of experience. Last verified 2026-10-15. ## At a glance - Earliest state license record: August 1, 2021 (Texas), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience. - Years experience (stated by the LO): 30 (source: https://rwmloans.com/rick-geary/, verified 2026-10-15) - Licensed in: Florida (FL, confirmed), Texas (TX, confirmed), Alabama (AL, lender_reported), Arizona (AZ, lender_reported), California (CA, lender_reported), Colorado (CO, lender_reported), Idaho (ID, lender_reported), Indiana (IN, lender_reported), Kentucky (KY, lender_reported), Montana (MT, lender_reported), Nevada (NV, lender_reported), Ohio (OH, lender_reported), Oregon (OR, lender_reported), Tennessee (TN, lender_reported), Washington (WA, 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: not listed - Profile: unclaimed - Status: active ## Specialties ### Focus (officer level: their own bio, title, certification, specialty list or claim) - **Vacation home** (`vacation-home`): from their lender profile page, confidence 0.70, verified 2026-10-15. Source: https://rwmloans.com/rick-geary/ ## Facts from the lender page and intro - years_experience: 30. Source: https://rwmloans.com/rick-geary/, verified 2026-10-15. - service_area: Orange County, CA. Source: https://rwmloans.com/rick-geary/, verified 2026-10-15. - other: Personally licensed in 12 states. Source: https://rwmloans.com/rick-geary/, verified 2026-10-15. - other: Over $2 Billion in home loans funded across more than 8,000 transactions. Source: https://rwmloans.com/rick-geary/, verified 2026-10-15. ## Licenses | State | Type | Number | Status | Confidence | Issued | Source | Verified | |---|---|---|---|---|---|---|---| | FL | state_license | LO94010 | active | confirmed | 2021-09-02 | state_regulator | 2026-10-15 | | TX | state_license | n/a | active | confirmed | 2021-08-01 | state_regulator | 2026-10-13 | | AL | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-15 | | AZ | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-15 | | CA | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-15 | | CO | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-15 | | ID | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-15 | | IN | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-15 | | KY | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-15 | | MT | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-15 | | NV | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-15 | | OH | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-15 | | OR | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-15 | | TN | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-15 | | WA | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-15 | ## Employment history - ? to present: Residential Wholesale Mortgage, Inc. (NMLS 79445), Aliso Viejo, CA. Source: https://rwmloans.com/rick-geary/, 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/278781 ## Contact - linkedin_url: https://www.linkedin.com/in/rickgeary/ (source: lender_site, verified 2026-10-15) - View profile at Residential Wholesale Mortgage, Inc.: https://rwmloans.com/rick-geary/ - Office phone and Email on file: shown at https://lendb.ai/lo/richard-geary-278781#contact after a quick human check (not available in this file, the API or MCP). ## Sources - nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/278781 - state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip - state_regulator: https://www.sml.texas.gov/ - lender_site: https://rwmloans.com/rick-geary/ - HUD (FHA data): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot Cite as: Rick Geary (NMLS 278781), Residential Wholesale Mortgage, Inc.. LenDb.ai, https://lendb.ai/lo/richard-geary-278781, last verified 2026-10-15. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._