Ryan Cemate
Executive Loan Officer at INDEPENDENCE HOME LOANS LLC
NMLS ID 1023358 (opens in a new tab) · verify at NMLS Consumer Access
Ryan Cemate (NMLS 1023358) is an Executive Loan Officer at INDEPENDENCE HOME LOANS LLC, licensed in Iowa since 2025 and in Florida, Louisiana, California and 2 more states.
Last verified . Sources: INDEPENDENCE HOME LOANS LLC (independencehl.com), Florida state regulator, Louisiana state regulator, Iowa state regulator, Oregon state regulator, California state regulator, Maryland state regulator, Illinois state regulator and NMLS Consumer Access (license status, check live).
- Earliest state license record: May 29, 2025 (Iowa), per state regulator
- 6 states
- Unclaimed profile
- Disciplinary history not yet checked
Quick answers
- Is Ryan licensed in Florida?
- Yes. Florida regulator records list license LO139006 as active, first effective June 19, 2025 (verified 2026-10-15). LenDb has 5 other states on file for Ryan.
- Source: Florida state regulator (opens in a new tab)
- What lender does Ryan work for?
- INDEPENDENCE HOME LOANS LLC, company NMLS 2524174, per the lender's own site (verified 2026-10-15).
- Source: lender site (opens in a new tab)
- How long has Ryan been licensed?
- The earliest state license record LenDb holds for Ryan is from May 29, 2025 (Iowa regulator). That is a record date from the rosters we hold, not proof of continuous licensure.
- Source: Iowa state regulator (opens in a new tab)
Specialties
Focus
No focus listed on their lender page yet.
Focus is the loan officer's own: their bio, title, a certification or their own specialty list on their lender page, or what they report. Programs their lender offers are listed separately and never count as their focus in search.
Licensed states
Florida, Louisiana, Iowa, California, Maryland, Illinois
✓ Confirmed with the state regulator: FL (opens in a new tab) (LO139006, first effective 2025-06-19), LA (opens in a new tab), IA (opens in a new tab) (54511, first effective 2025-05-29), CA DFPI (opens in a new tab) (CA-DFPI1023358, first effective 2025-12-15), MD (opens in a new tab), IL (opens in a new tab) (31.0090284, first effective 2025-06-02), verified 2026-10-15.
Regulator records not active: OR (inactive).
Contact
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Employment history
INDEPENDENCE HOME LOANS LLC NMLS 2524174
Current · seen on lender site 2026-10-15
Disciplinary history
Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access (opens in a new tab).
About
Sources
| Name and employer | lender site · independencehl.com (opens in a new tab) | verified 2026-10-15 |
| Licenses (regulator) | state regulator · idfpr.illinois.gov (opens in a new tab) | verified 2026-10-28 |
| Contact | lender site · independencehl.com (opens in a new tab) | verified 2026-10-15 |
| Photo | lender site · independencehl.com (opens in a new tab) | verified 2026-10-15 |
| License status | NMLS Consumer Access (opens in a new tab) | check live |
Also available as Markdown, JSON, or via the API.
Cite as: Ryan Cemate (NMLS 1023358), INDEPENDENCE HOME LOANS LLC. LenDb.ai, https://lendb.ai/lo/ryan-cemate-1023358, last verified 2026-10-28.
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