---
canonical_url: https://lendb.ai/lo/bernadine-torres-242990
json_url: https://lendb.ai/lo/bernadine-torres-242990.json
nmls_id: 242990
last_verified: 2026-10-31
---

# Bernadine Torres

Mortgage Loan Officer at Clear Mortgage Capital, Inc.. NMLS ID 242990 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/242990)).

Bernadine Torres (NMLS 242990) is a Mortgage Loan Officer at Clear Mortgage Capital, Inc., licensed in Nevada since 2021 and in Florida, Texas and California.

**Summary:** Bernadine Torres (NMLS 242990) is Mortgage Loan Officer at Clear Mortgage Capital, Inc.. Licensed in 4 states confirmed with state regulators: Florida, Texas, California and Nevada. Earliest state license record: May 10, 2021 (Nevada), per state regulator. Last verified 2026-10-31.

## Quick answers

### Is Bernadine licensed in Florida?

Yes. Florida regulator records list license LO120649 as active, first effective June 9, 2023 (verified 2026-10-15). LenDb has 3 other states on file for Bernadine. Source: https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip.

### What lender does Bernadine work for?

Clear Mortgage Capital, Inc., company NMLS 1935005, per the lender's own site (verified 2026-10-21). Source: https://clearmortgagecapital.com/loan-officer/df91c576-858d-4187-ab82-47ba54db958d/BernadineTorres.

### How long has Bernadine been licensed?

The earliest state license record LenDb holds for Bernadine is from May 10, 2021 (Nevada regulator). That is a record date from the rosters we hold, not proof of continuous licensure. Source: https://mld.nv.gov/.

## At a glance

- Earliest state license record: May 10, 2021 (Nevada), 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): Bernadine A. Torres (CA, FL, NV, TX, as of 2026-10-28)
- Licensed in: Florida (FL, confirmed), Texas (TX, confirmed), California (CA DRE, confirmed), Nevada (NV, 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 | LO120649 | active | confirmed | 2023-06-09 | state_regulator | 2026-10-15 |
| TX | Texas regulator | state_license | n/a | active | confirmed | 2021-12-15 | state_regulator | 2026-10-13 |
| CA | California Department of Real Estate | state_license | 01337559 | active | confirmed |  | state_regulator | 2026-10-24 |
| CA | California Department of Financial Protection and Innovation | state_license | CA-DFPI242990 | inactive | confirmed | 2021-06-10 | state_regulator | 2026-10-24 |
| NV | Nevada regulator | state_license | NMLO-1194779 | active | confirmed | 2021-05-10 | state_regulator | 2026-10-31 |

## Employment history

- ? to present: Clear Mortgage Capital, Inc. (NMLS 1935005). Source: https://clearmortgagecapital.com/loan-officer/df91c576-858d-4187-ab82-47ba54db958d/BernadineTorres, verified 2026-10-21.
- ? to present: Prominent 1 Financial Group Inc (NMLS 1799963). 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/242990

## Contact

- View profile at Clear Mortgage Capital, Inc.: https://clearmortgagecapital.com/loan-officer/df91c576-858d-4187-ab82-47ba54db958d/BernadineTorres
- Office phone on file: shown at https://lendb.ai/lo/bernadine-torres-242990#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/242990
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip
- state_regulator: https://www.sml.texas.gov/
- state_regulator: https://www.dre.ca.gov/Licensees/ExamineeLicenseeListDataFiles.html
- state_regulator: https://dfpi.ca.gov/
- state_regulator: https://mld.nv.gov/
- state_regulator: https://clearmortgagecapital.com/loan-officer/df91c576-858d-4187-ab82-47ba54db958d/BernadineTorres

Cite as: Bernadine Torres (NMLS 242990), Clear Mortgage Capital, Inc.. LenDb.ai, https://lendb.ai/lo/bernadine-torres-242990, last verified 2026-10-31.

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