---
canonical_url: https://lendb.ai/lo/david-frees-1898593
json_url: https://lendb.ai/lo/david-frees-1898593.json
nmls_id: 1898593
last_verified: 2026-10-26
---

# David Frees

Loan officer at E Mortgage Capital, Inc.. NMLS ID 1898593 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1898593)).

David Frees (NMLS 1898593) is a mortgage loan officer at E Mortgage Capital, Inc., licensed in Florida since 2026 and in Missouri, Arkansas, Oregon and 2 more states.

**Summary:** David Frees (NMLS 1898593) is a loan officer at E Mortgage Capital, Inc.. Licensed in 6 states confirmed with state regulators: Florida, Missouri, Arkansas, Oregon, California and Maryland. Earliest state license record: January 27, 2026 (Florida), per state regulator. Last verified 2026-10-26.

## Quick answers

### Is David licensed in Florida?

Yes. Florida regulator records list license LO144467 as active, first effective January 27, 2026 (verified 2026-10-15). LenDb has 5 other states on file for David. Source: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip.

### What lender does David work for?

E Mortgage Capital, Inc., company NMLS 1416824, per the lender's own site (verified 2026-10-20). Source: https://securities.arkansas.gov/loans/nmls/.

### How long has David been licensed?

The earliest state license record LenDb holds for David is from January 27, 2026 (Florida regulator). That is a record date from the rosters we hold, not proof of continuous licensure. Source: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip.

## At a glance

- Earliest state license record: January 27, 2026 (Florida), 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): David M. Frees (AR, CA, FL, MD, MO, OR, as of 2026-10-26)
- Licensed in: Florida (FL, confirmed), Missouri (MO, confirmed), Arkansas (AR, confirmed), Oregon (OR, confirmed), California (CA DFPI, confirmed), Maryland (MD, 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 | LO144467 | active | confirmed | 2026-01-27 | state_regulator | 2026-10-15 |
| MO | Missouri regulator | state_license | n/a | active | confirmed |  | state_regulator | 2026-10-19 |
| AR | Arkansas regulator | state_license | n/a | active | confirmed |  | state_regulator | 2026-10-20 |
| OR | Oregon regulator | state_license | n/a | active | confirmed | 2026-02-10 | state_regulator | 2026-10-20 |
| CA | California Department of Financial Protection and Innovation | state_license | CA-DFPI1898593 | active | confirmed | 2026-03-05 | state_regulator | 2026-10-24 |
| MD | Maryland regulator | state_license | n/a | active | confirmed |  | state_regulator | 2026-10-26 |

## Employment history

- ? to present: E Mortgage Capital, Inc. (NMLS 1416824). Source: https://securities.arkansas.gov/loans/nmls/, verified 2026-10-20.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1898593

## Contact


## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1898593
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip
- state_regulator: https://finance.mo.gov/banks-0/bank-licensee-search
- state_regulator: https://securities.arkansas.gov/loans/nmls/
- state_regulator: https://dfr.oregon.gov/
- state_regulator: https://dfpi.ca.gov/
- state_regulator: https://www.labor.maryland.gov/finance/

Cite as: David Frees (NMLS 1898593), E Mortgage Capital, Inc.. LenDb.ai, https://lendb.ai/lo/david-frees-1898593, last verified 2026-10-26.

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