--- canonical_url: https://lendb.ai/lo/richard-krauss-1451968 json_url: https://lendb.ai/lo/richard-krauss-1451968.json nmls_id: 1451968 last_verified: 2026-10-31 --- # Richard Krauss Associate Sales Director at INDEPENDENCE HOME LOANS LLC. NMLS ID 1451968 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1451968)). Richard Krauss (NMLS 1451968) is an Associate Sales Director at INDEPENDENCE HOME LOANS LLC, licensed in Oregon since 2022 and in Florida, Texas, Connecticut and 7 more states. **Summary:** Richard Krauss (NMLS 1451968) is Associate Sales Director at INDEPENDENCE HOME LOANS LLC. Licensed in 11 states confirmed with state regulators: Florida, Texas, Connecticut, Delaware, Arkansas, Iowa, Oregon, Wisconsin and 3 more. Earliest state license record: January 21, 2022 (Oregon), per state regulator. Last verified 2026-10-31. ## Quick answers ### Is Richard licensed in Florida? Yes. Florida regulator records list license LO109707 as active, first effective June 21, 2022 (verified 2026-10-15). LenDb has 10 other states on file for Richard. Source: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip. ### What lender does Richard work for? INDEPENDENCE HOME LOANS LLC, company NMLS 2524174, per the lender's own site (verified 2026-10-26). Source: https://independencehl.com/richard-krauss/. ### How long has Richard been licensed? The earliest state license record LenDb holds for Richard is from January 21, 2022 (Oregon regulator). That is a record date from the rosters we hold, not proof of continuous licensure. Source: https://dfr.oregon.gov/. ## At a glance - Earliest state license record: January 21, 2022 (Oregon), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience. - Also licensed as (state regulator records, same NMLS ID): Richard M. Krauss (AR, CA, CT, DE, FL, IA, MD, NV, OR, TX, as of 2026-10-30) - Licensed in: Florida (FL, confirmed), Texas (TX, confirmed), Connecticut (CT, confirmed), Delaware (DE, confirmed), Arkansas (AR, confirmed), Iowa (IA, confirmed), Oregon (OR, confirmed), Wisconsin (WI, confirmed), California (CA DFPI, confirmed), Maryland (MD, confirmed), Nevada (NV, confirmed) - 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 (Languages come only from the loan officer's own lender page, and most lender pages do not list languages. A language that is not listed means not stated, not that the loan officer does not speak it.) - 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: over a decade. Source: https://independencehl.com/richard-krauss/, verified 2026-10-26. - credential: Multiple certifications in home lending. Source: https://independencehl.com/richard-krauss/, verified 2026-10-26. ## Licenses | State | Regulator | Type | Number | Status | Confidence | Issued | Source | Verified | |---|---|---|---|---|---|---|---|---| | FL | Florida regulator | state_license | LO109707 | active | confirmed | 2022-06-21 | state_regulator | 2026-10-15 | | TX | Texas regulator | state_license | n/a | active | confirmed | 2022-07-14 | state_regulator | 2026-10-13 | | CT | Connecticut regulator | state_license | LO-1451968 | active | confirmed | | state_regulator | 2026-10-15 | | DE | Delaware regulator | state_license | n/a | active | confirmed | | state_regulator | 2026-10-30 | | AR | Arkansas regulator | state_license | n/a | active | confirmed | | state_regulator | 2026-10-20 | | IA | Iowa regulator | state_license | 57370 | active | confirmed | 2026-05-18 | state_regulator | 2026-10-20 | | OR | Oregon regulator | state_license | n/a | active | confirmed | 2022-01-21 | state_regulator | 2026-10-20 | | WI | Wisconsin regulator | state_license | 1451968 | active | confirmed | 2026-05-19 | state_regulator | 2026-10-21 | | CA | California Department of Financial Protection and Innovation | state_license | CA-DFPI1451968 | active | confirmed | 2022-06-02 | state_regulator | 2026-10-24 | | MD | Maryland regulator | state_license | n/a | active | confirmed | | state_regulator | 2026-10-26 | | NV | Nevada regulator | state_license | NMLO-138291 | active | confirmed | 2025-11-05 | state_regulator | 2026-10-31 | ## Employment history - ? to present: INDEPENDENCE HOME LOANS LLC (NMLS 2524174). Source: https://independencehl.com/richard-krauss/, verified 2026-10-26. ## Disciplinary history Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1451968 ## Contact - View profile at INDEPENDENCE HOME LOANS LLC: https://independencehl.com/richard-krauss/ - Office phone and Email on file: shown at https://lendb.ai/lo/richard-krauss-1451968#contact after a quick human check (not available in this file, the API or MCP). ## Sources - nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1451968 - state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip - state_regulator: https://www.sml.texas.gov/ - state_regulator: https://portal.ct.gov/dob/consumer-credit-licenses/consumer-credit-licenses/mortgage-loan-originators-licensed-in-connecticut - state_regulator: https://banking.delaware.gov/delaware-approved-mortgage-loan-originators/ - state_regulator: https://securities.arkansas.gov/loans/nmls/ - state_regulator: https://idob.iowa.gov/ - state_regulator: https://dfr.oregon.gov/ - state_regulator: https://dfi.wi.gov/Pages/BusinessServices/MortgageBanking/ - state_regulator: https://dfpi.ca.gov/ - state_regulator: https://www.labor.maryland.gov/finance/ - state_regulator: https://mld.nv.gov/ - state_regulator: https://independencehl.com/richard-krauss/ Cite as: Richard Krauss (NMLS 1451968), INDEPENDENCE HOME LOANS LLC. LenDb.ai, https://lendb.ai/lo/richard-krauss-1451968, last verified 2026-10-31. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._