---
canonical_url: https://lendb.ai/lo/richard-yniguez-1823240
json_url: https://lendb.ai/lo/richard-yniguez-1823240.json
nmls_id: 1823240
last_verified: 2026-10-09
---

# Rick Yniguez

Loan Officer at Empire Home Loans, Fair Oaks, CA. NMLS ID 1823240 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1823240)).

**Summary:** Rick Yniguez (NMLS 1823240) is Loan Officer at Empire Home Loans, based in Fair Oaks, CA. Licensed in Florida, confirmed with the state regulator (license LO139873). Focus areas shown on the lender page: VA loan. Earliest state license record: July 23, 2025 (Florida), per state regulator. Last verified 2026-10-09.

## At a glance

- Earliest state license record: July 23, 2025 (Florida), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- 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

- **VA loan** (`va`): lender page, confidence 0.85, verified 2026-10-09. Source: https://www.empirehomeloans.com/team/rick

## About

Rick entered mortgage in 2019 after 23 years in the U.S. Army. He holds an MBA with a concentration in Quality Management and is a Certified Veterans Loan Specialist.

Source: LenDb summary of the lender page, verified 2026-10-09.

## Facts from the lender page and intro

- years_experience: 2019. Source: https://www.empirehomeloans.com/team/rick, verified 2026-10-09.
- credential: Certified Veterans Loan Specialist (CVLS). Source: https://www.empirehomeloans.com/team/rick, verified 2026-10-09.
- education: Master's degree in Business Administration with concentration in Quality Management; Bachelor's degree in Business Administration. Source: https://www.empirehomeloans.com/team/rick, verified 2026-10-09.
- role: Team Leader, Program Director, Branch Manager, Hawaii Area Manager. Source: https://www.empirehomeloans.com/team/rick, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO139873 | active | confirmed | 2025-07-23 | state_regulator | 2026-10-09 |

## Employment history

- ? to present: Empire Home Loans (NMLS 1839243), Fair Oaks, CA. Source: https://www.empirehomeloans.com/team/rick, verified 2026-10-09.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1823240

## Contact

- View profile at Empire Home Loans: https://www.empirehomeloans.com/team/rick
- Office phone and Email on file: shown at https://lendb.ai/lo/richard-yniguez-1823240#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1823240
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip
- lender_site: https://www.empirehomeloans.com/team/rick

Cite as: Rick Yniguez (NMLS 1823240), Empire Home Loans. LenDb.ai, https://lendb.ai/lo/richard-yniguez-1823240, last verified 2026-10-09.

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