{
  "canonical_url": "https://lendb.ai/lo/richard-kadar-227721",
  "loan_officer": {
    "nmls_id": 227721,
    "slug": "richard-kadar-227721",
    "canonical_url": "https://lendb.ai/lo/richard-kadar-227721",
    "md_url": "https://lendb.ai/lo/richard-kadar-227721.md",
    "json_url": "https://lendb.ai/lo/richard-kadar-227721.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/227721",
    "full_name": {
      "value": "Rick Kadar",
      "source": "lender_site",
      "source_url": "https://www.empirehomeloans.com/team/rkadar",
      "verified_at": "2026-10-09"
    },
    "first_name": "Rick",
    "last_name": "Kadar",
    "headshot_url": {
      "value": "https://v5.airtableusercontent.com/v3/u/58/58/1791554400000/D3CHijqRKYoqtXgLC9I8iA/Epzr8zJoYxE19Pul_GCmpnGoYsnqBzPxYAhOzRmlTQ854u76rEZ2iPpYeRK_KYATKF9pyEQ568ZjlVDmJ-qggGNGMvfJ_XCfri5jLuKxgUWUZAQrhV3zHs7AWFIOm--8yosIg8EACd7dUVXGbJAn0Mgcf4XPk1XBGvAI_cURWMJhI_tIqDl__CYrM_SlLYRA/_l22LzOvPyXA06W3L2fwLPH_AfzcieUu-TeQVpwUkGQ",
      "source": "lender_site",
      "source_url": "https://www.empirehomeloans.com/team/rkadar",
      "verified_at": "2026-10-09"
    },
    "bio": {
      "value": "Rick brings over 30 years of real estate and mortgage experience, built on service as a U.S. Air Force combat pilot and military veteran. Known as \"the Payment Professor,\" he specializes in VA home loan benefits for active-duty and veteran service members.",
      "source": "lender_site",
      "source_url": "https://www.empirehomeloans.com/team/rkadar",
      "verified_at": "2026-10-09"
    },
    "title": {
      "value": "Loan Officer",
      "source": "lender_site",
      "source_url": "https://www.empirehomeloans.com/team/rkadar",
      "verified_at": "2026-10-09"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://www.empirehomeloans.com/team/rkadar",
      "verified_at": "2026-10-09"
    },
    "years_licensed": null,
    "years_experience": {
      "value": 30,
      "source": "lender_site",
      "source_url": "https://www.empirehomeloans.com/team/rkadar",
      "verified_at": "2026-10-09"
    },
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 90,
    "current_employment": {
      "lender_nmls_id": 1839243,
      "lender_name": "Empire Home Loans",
      "lender_slug": "empire-home-loans-1839243",
      "branch_city": "Fair Oaks",
      "branch_state": "CA",
      "branch_zip": "95628",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://www.empirehomeloans.com/team/rkadar",
      "lender_type": "broker",
      "source": "lender_site",
      "source_url": "https://www.empirehomeloans.com/team/rkadar",
      "verified_at": "2026-10-09"
    },
    "employment_history": [
      {
        "lender_nmls_id": 1839243,
        "lender_name": "Empire Home Loans",
        "lender_slug": "empire-home-loans-1839243",
        "branch_city": "Fair Oaks",
        "branch_state": "CA",
        "branch_zip": "95628",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://www.empirehomeloans.com/team/rkadar",
        "lender_type": "broker",
        "source": "lender_site",
        "source_url": "https://www.empirehomeloans.com/team/rkadar",
        "verified_at": "2026-10-09"
      }
    ],
    "licenses": [
      {
        "state": "FL",
        "license_type": "state_license",
        "license_number": "LO23150",
        "status": "expired",
        "issued_at": "2014-01-23",
        "source": "state_regulator",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip",
        "verified_at": "2026-10-09",
        "confidence": "confirmed"
      }
    ],
    "specialties": [
      {
        "slug": "va",
        "label": "VA loan",
        "evidence": "lender_page_text",
        "confidence": 0.9,
        "source": "lender_site",
        "source_url": "https://www.empirehomeloans.com/team/rkadar",
        "verified_at": "2026-10-09"
      }
    ],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "30",
        "source": "lender_site",
        "source_url": "https://www.empirehomeloans.com/team/rkadar",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "role",
        "value": "United States Air Force combat pilot and military veteran",
        "source": "lender_site",
        "source_url": "https://www.empirehomeloans.com/team/rkadar",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "credential",
        "value": "VA home loan guaranty benefits advisor",
        "source": "lender_site",
        "source_url": "https://www.empirehomeloans.com/team/rkadar",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "other",
        "value": "Known as \"the Payment Professor\"",
        "source": "lender_site",
        "source_url": "https://www.empirehomeloans.com/team/rkadar",
        "verified_at": "2026-10-09"
      }
    ],
    "last_verified_at": "2026-10-09",
    "updated_at": "2026-10-10 09:54:40.264794+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/richard-kadar-227721#contact",
      "note": "Phone and email are shown on the profile page after a quick human check, one profile at a time. They are not available through the API or MCP. To reach this loan officer, open reveal_url or lender_profile_url.",
      "source": "lender_site",
      "source_url": "https://www.empirehomeloans.com/team/rkadar",
      "verified_at": "2026-10-09"
    },
    "earliest_license_record": {
      "date": "2014-01-23",
      "state": "FL"
    },
    "licensed_since": {
      "year": 2014,
      "state": "FL"
    },
    "federal_registration": null
  }
}