---
canonical_url: https://lendb.ai/lo/billy-watkins-384700
json_url: https://lendb.ai/lo/billy-watkins-384700.json
nmls_id: 384700
last_verified: 2026-10-24
---

# Billy Watkins

Loan officer at E Mortgage Capital, Inc., Columbia, MO. NMLS ID 384700 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/384700)).

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.

**Summary:** Billy Watkins (NMLS 384700) is a loan officer at E Mortgage Capital, Inc., based in Columbia, MO. Licensed in 5 states confirmed with state regulators: Florida, Texas, Missouri, Oregon and California. Earliest state license record: March 27, 2014 (Wisconsin), per state regulator. Last verified 2026-10-24.

## 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: https://finance.mo.gov/banks-0/bank-licensee-search.

### 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: https://www.sml.texas.gov/.

### 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: https://dfi.wi.gov/Pages/BusinessServices/MortgageBanking/.

## At a glance

- Earliest state license record: March 27, 2014 (Wisconsin), 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): Billy R. Watkins (CA, FL, MO, NY, OR, TX, as of 2026-10-22)
- Licensed in: Florida (FL, confirmed), Texas (TX, confirmed), Missouri (MO, confirmed), Oregon (OR, 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 | LO134742 | active | confirmed | 2025-01-17 | state_regulator | 2026-10-15 |
| TX | Texas regulator | state_license | n/a | active | confirmed | 2025-04-25 | state_regulator | 2026-10-13 |
| NY | New York regulator | state_license | n/a | expired | confirmed |  | state_regulator | 2026-10-14 |
| MO | Missouri regulator | state_license | n/a | active | confirmed |  | state_regulator | 2026-10-19 |
| OR | Oregon regulator | state_license | n/a | active | confirmed | 2024-08-09 | state_regulator | 2026-10-20 |
| WI | Wisconsin regulator | state_license | 384700 | expired | confirmed | 2014-03-27 | state_regulator | 2026-10-21 |
| CA | California Department of Financial Protection and Innovation | state_license | CA-DFPI384700 | active | confirmed | 2024-08-15 | state_regulator | 2026-10-24 |

## Employment history

- ? to present: E Mortgage Capital, Inc. (NMLS 1416824), Columbia, MO. Source: https://www.sml.texas.gov/, verified 2026-10-13.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/384700

## Contact


## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/384700
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip
- state_regulator: https://www.sml.texas.gov/
- state_regulator: https://www.dfs.ny.gov/
- state_regulator: https://finance.mo.gov/banks-0/bank-licensee-search
- state_regulator: https://dfr.oregon.gov/
- state_regulator: https://dfi.wi.gov/Pages/BusinessServices/MortgageBanking/
- state_regulator: https://dfpi.ca.gov/

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

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