---
canonical_url: https://lendb.ai/lo/francisco-ruvalcaba-244212
json_url: https://lendb.ai/lo/francisco-ruvalcaba-244212.json
nmls_id: 244212
last_verified: 2026-10-31
---

# Francisco Ruvalcaba

Loan officer at E Mortgage Capital, Inc.. NMLS ID 244212 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/244212)).

Francisco Ruvalcaba (NMLS 244212) is a mortgage loan officer at E Mortgage Capital, Inc., licensed in Nevada since 2002 and in California.

**Summary:** Francisco Ruvalcaba (NMLS 244212) is a loan officer at E Mortgage Capital, Inc.. Licensed in 2 states confirmed with state regulators: California and Nevada. Earliest state license record: December 5, 2002 (Nevada), per state regulator. Last verified 2026-10-31.

## Quick answers

### Is Francisco licensed in California?

Yes. California regulator records list license CA-DBO244212 as active, first effective December 2, 2014 (verified 2026-10-24). LenDb has 1 other state on file for Francisco. Source: https://dfpi.ca.gov/.

### What lender does Francisco 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 Francisco been licensed?

The earliest state license record LenDb holds for Francisco is from December 5, 2002 (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: December 5, 2002 (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): Francisco F. Ruvalcaba (CA, NV, as of 2026-10-28)
- Licensed in: California (CA DFPI, 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 |
|---|---|---|---|---|---|---|---|---|
| CA | California Department of Financial Protection and Innovation | state_license | CA-DBO244212 | active | confirmed | 2014-12-02 | state_regulator | 2026-10-24 |
| NV | Nevada regulator | state_license | NMLO-103677 | active | confirmed | 2002-12-05 | state_regulator | 2026-10-31 |

## 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/244212

## Contact


## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/244212
- state_regulator: https://dfpi.ca.gov/
- state_regulator: https://mld.nv.gov/

Cite as: Francisco Ruvalcaba (NMLS 244212), E Mortgage Capital, Inc.. LenDb.ai, https://lendb.ai/lo/francisco-ruvalcaba-244212, last verified 2026-10-31.

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