---
canonical_url: https://lendb.ai/lo/ann-contreras-6112
json_url: https://lendb.ai/lo/ann-contreras-6112.json
nmls_id: 6112
last_verified: 2026-10-24
---

# Ann Contreras

Loan officer at E Mortgage Capital, Inc.. NMLS ID 6112 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/6112)).

Ann Contreras (NMLS 6112) is a mortgage loan officer at E Mortgage Capital, Inc., licensed in Florida and California.

**Summary:** Ann Contreras (NMLS 6112) is a loan officer at E Mortgage Capital, Inc.. Licensed in 2 states confirmed with state regulators: Florida and California. Earliest state license record: March 24, 2020 (Iowa), per state regulator. Last verified 2026-10-24.

## Quick answers

### Is Ann licensed in Florida?

Yes. Florida regulator records list license LO145812 as active, first effective March 12, 2026 (verified 2026-10-15). LenDb has 1 other state on file for Ann. Source: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip.

### What lender does Ann work for?

E Mortgage Capital, Inc., company NMLS 1416824, per the lender's own site (verified 2026-10-23). Source: https://dfpi.ca.gov/.

### How long has Ann been licensed?

The earliest state license record LenDb holds for Ann is from March 24, 2020 (Iowa regulator). That is a record date from the rosters we hold, not proof of continuous licensure. Source: https://idob.iowa.gov/.

## At a glance

- Earliest state license record: March 24, 2020 (Iowa), per state regulator. 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): Ann E. Contreras (CA, FL, IA, NY, as of 2026-10-22)
- Licensed in: Florida (FL, confirmed), California (CA DFPI, 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 |
|---|---|---|---|---|---|---|---|---|
| FL | Florida regulator | state_license | LO145812 | active | confirmed | 2026-03-12 | state_regulator | 2026-10-15 |
| NY | New York regulator | state_license | n/a | expired | confirmed |  | state_regulator | 2026-10-14 |
| IA | Iowa regulator | state_license | 37271 | expired | confirmed | 2020-03-24 | state_regulator | 2026-10-20 |
| WI | Wisconsin regulator | state_license | 6112 | expired | confirmed | 2020-03-27 | state_regulator | 2026-10-21 |
| CA | California Department of Financial Protection and Innovation | state_license | CA-DBO6112 | active | confirmed | 2020-04-16 | state_regulator | 2026-10-24 |

## Employment history

- ? to present: E Mortgage Capital, Inc. (NMLS 1416824). Source: https://dfpi.ca.gov/, verified 2026-10-23.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/6112

## Contact


## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/6112
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip
- state_regulator: https://www.dfs.ny.gov/
- state_regulator: https://idob.iowa.gov/
- state_regulator: https://dfi.wi.gov/Pages/BusinessServices/MortgageBanking/
- state_regulator: https://dfpi.ca.gov/

Cite as: Ann Contreras (NMLS 6112), E Mortgage Capital, Inc.. LenDb.ai, https://lendb.ai/lo/ann-contreras-6112, last verified 2026-10-24.

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