Billy Watkins

E Mortgage Capital, Inc. · Columbia, MO

NMLS ID 384700 (opens in a new tab) · verify at NMLS Consumer Access

Billy Watkins, NMLS 384700, works as a mortgage loan officer at E Mortgage Capital, Inc. in Columbia, Missouri and is licensed in Florida, Texas, Missouri and 2 more states.

Last verified . Sources: E Mortgage Capital, Inc. (sml.texas.gov), Florida state regulator, Texas state regulator, New York state regulator, Missouri state regulator, Oregon state regulator, Wisconsin state regulator, California state regulator and NMLS Consumer Access (license status, check live).

Quick answers

Is Billy licensed in Missouri?
Yes. Missouri regulator records list a license as active (verified 2026-10-19). LenDb has 4 other states on file for Billy.
Source: Missouri state regulator (opens in a new tab)
What lender does Billy work for?
E Mortgage Capital, Inc., company NMLS 1416824, from the Columbia, MO office, per the lender's own site (verified 2026-10-13).
Source: lender site (opens in a new tab)
How long has Billy been licensed?
The earliest state license record LenDb holds for Billy is from March 27, 2014 (Wisconsin regulator). That is a record date from the rosters we hold, not proof of continuous licensure.
Source: Wisconsin 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

    AKMEVTNHWAIDMTNDMNILWIMINYMARIORNVWYSDIAINOHPANJCTCAUTCONEMOKYWVVAMDDEAZNMKSARTNNCSCDCOKLAMSALGAHITXFL

    Florida, Texas, Missouri, Oregon, California

    ✓ Confirmed with the state regulator: FL (opens in a new tab) (LO134742, first effective 2025-01-17), TX (opens in a new tab), MO (opens in a new tab), OR (opens in a new tab), CA DFPI (opens in a new tab) (CA-DFPI384700, first effective 2024-08-15), verified 2026-10-15. Source: State of Missouri (see disclaimer).

    Regulator records not active: NY (expired), WI (expired).

    Contact

    No public business contact on file.

    We never see who you contact.

    Employment history

    1. E Mortgage Capital, Inc. NMLS 1416824

      Current · Columbia, MO · seen on lender site 2026-10-13

    Disciplinary history

    Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access (opens in a new tab).

    Sources

    Name and employerstate regulator · sml.texas.gov (opens in a new tab)verified 2026-10-13
    Licenses (regulator)state regulator · dfpi.ca.gov (opens in a new tab)verified 2026-10-24
    License statusNMLS Consumer Access (opens in a new tab)check live

    Also available as Markdown, JSON, or via the API.

    Cite as: Billy Watkins (NMLS 384700), E Mortgage Capital, Inc.. LenDb.ai, https://lendb.ai/lo/billy-watkins-384700, last verified 2026-10-24.

    Is this you?

    Claim this profile to add specialties, a bio and languages, or ask us to fix or remove it.

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