---
canonical_url: https://lendb.ai/lo/ruben-padilla-386056
json_url: https://lendb.ai/lo/ruben-padilla-386056.json
nmls_id: 386056
last_verified: 2026-10-24
---

# Ruben Padilla

Loan officer at OPTIMUM FIRST INC.. NMLS ID 386056 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/386056)).

Ruben Padilla (NMLS 386056) is a mortgage loan officer at OPTIMUM FIRST INC., licensed in California.

**Summary:** Ruben Padilla (NMLS 386056) is a loan officer at OPTIMUM FIRST INC.. Licensed in California, confirmed with the state regulator (license 01503609). Last verified 2026-10-24.

## Quick answers

### Is Ruben licensed in California?

Yes. California regulator records list license 01503609 as active (verified 2026-10-24). Source: https://www.dre.ca.gov/Licensees/ExamineeLicenseeListDataFiles.html.

### What lender does Ruben work for?

OPTIMUM FIRST INC., company NMLS 240415, per the lender's own site (verified 2026-10-15). Source: https://www.dre.ca.gov/Licensees/ExamineeLicenseeListDataFiles.html.

## At a glance

- Earliest state license record: none on file. 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): Ruben J. Padilla (CA, as of 2026-10-15)
- Licensed in: California (CA DRE, 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.

## Licenses

| State | Regulator | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|---|
| CA | California Department of Real Estate | state_license | 01503609 | active | confirmed |  | state_regulator | 2026-10-24 |

## Employment history

- ? to present: OPTIMUM FIRST INC. (NMLS 240415). Source: https://www.dre.ca.gov/Licensees/ExamineeLicenseeListDataFiles.html, 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/386056

## Contact


## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/386056
- state_regulator: https://www.dre.ca.gov/Licensees/ExamineeLicenseeListDataFiles.html

Cite as: Ruben Padilla (NMLS 386056), OPTIMUM FIRST INC.. LenDb.ai, https://lendb.ai/lo/ruben-padilla-386056, last verified 2026-10-24.

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