---
canonical_url: https://lendb.ai/lo/tim-penner-619942
json_url: https://lendb.ai/lo/tim-penner-619942.json
nmls_id: 619942
last_verified: 2026-10-09
---

# Tim Penner

Loan Officer at Empire Home Loans, Fair Oaks, CA. NMLS ID 619942 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/619942)).

**Summary:** Tim Penner (NMLS 619942) is Loan Officer at Empire Home Loans, based in Fair Oaks, CA. Lists California on the lender page (not yet checked with the state regulator). Last verified 2026-10-09.

## 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.
- Licensed in: California (CA, lender_reported)
- 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


## About

Experienced mortgage loan officer with extensive knowledge of local California markets. Focuses on helping clients with purchase, refinance, and real estate investment needs.

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

## Facts from the lender page and intro

- service_area: California. Source: https://www.empirehomeloans.com/team/tpenner, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| CA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: Empire Home Loans (NMLS 1839243), Fair Oaks, CA. Source: https://www.empirehomeloans.com/team/tpenner, 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/619942

## Contact

- View profile at Empire Home Loans: https://www.empirehomeloans.com/team/tpenner
- Email on file: shown at https://lendb.ai/lo/tim-penner-619942#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/619942
- lender_site: https://www.empirehomeloans.com/team/tpenner

Cite as: Tim Penner (NMLS 619942), Empire Home Loans. LenDb.ai, https://lendb.ai/lo/tim-penner-619942, last verified 2026-10-09.

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