---
canonical_url: https://lendb.ai/lo/richard-sowers-1598158
json_url: https://lendb.ai/lo/richard-sowers-1598158.json
nmls_id: 1598158
last_verified: 2026-10-10
---

# Ricky Sowers

Mortgage Loan Originator at AnnieMac Home Mortgage, Apollo Beach, FL. NMLS ID 1598158 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1598158)).

**Summary:** Ricky Sowers (NMLS 1598158) is Mortgage Loan Originator at AnnieMac Home Mortgage, based in Apollo Beach, FL. Licensed in Florida, confirmed with the state regulator (license LO41574). Focus areas shown on the lender page: First-time buyer, Real estate investor and VA loan. Earliest state license record: March 23, 2017 (Florida), per state regulator. States 8 years of experience. Last verified 2026-10-10.

## At a glance

- Earliest state license record: March 23, 2017 (Florida), 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): 8 (source: https://annie-mac.com/lo/rickysowers/, verified 2026-10-10)
- Licensed in: Florida (FL, 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
- Profile: unclaimed
- Status: active

## Specialties

- **First-time buyer** (`first-time-buyer`): lender page, confidence 0.90, verified 2026-10-10. Source: https://annie-mac.com/lo/rickysowers/
- **Real estate investor** (`investor`): lender page, confidence 0.70, verified 2026-10-10. Source: https://annie-mac.com/lo/rickysowers/
- **VA loan** (`va`): lender page, confidence 0.50, verified 2026-10-10. Source: https://annie-mac.com/lo/rickysowers/

## About

Ricky has over 8 years of mortgage industry experience and says they specialize in helping first-time buyers, move-up buyers, investors and veterans in Florida.

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

## Facts from the lender page and intro

- years_experience: 8. Source: https://annie-mac.com/lo/rickysowers/, verified 2026-10-10.
- education: Bachelor's degree in finance, University of South Florida. Source: https://annie-mac.com/lo/rickysowers/, verified 2026-10-10.
- service_area: Florida. Source: https://annie-mac.com/lo/rickysowers/, verified 2026-10-10.
- community: Serves local church. Source: https://annie-mac.com/lo/rickysowers/, verified 2026-10-10.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO41574 | active | confirmed | 2017-03-23 | state_regulator | 2026-10-09 |

## Employment history

- ? to present: AnnieMac Home Mortgage (NMLS 338923), Apollo Beach, FL. Source: https://annie-mac.com/lo/rickysowers/, verified 2026-10-10.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1598158

## Contact

- View profile at AnnieMac Home Mortgage: https://annie-mac.com/lo/rickysowers/
- Office phone and Email on file: shown at https://lendb.ai/lo/richard-sowers-1598158#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1598158
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip
- lender_site: https://annie-mac.com/lo/rickysowers/

Cite as: Ricky Sowers (NMLS 1598158), AnnieMac Home Mortgage. LenDb.ai, https://lendb.ai/lo/richard-sowers-1598158, last verified 2026-10-10.

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