{
  "canonical_url": "https://lendb.ai/lo/j-contreras-2091679",
  "lede": {
    "text": "J Contreras (NMLS 2091679) is a mortgage loan officer at E Mortgage Capital, Inc., licensed in Delaware, Arkansas, Iowa and California.",
    "fields": [
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  "quick_answers": [
    {
      "q": "Is J licensed in Delaware?",
      "a": "Yes. Delaware regulator records list a license as active (verified 2026-10-30). LenDb has 3 other states on file for J.",
      "fields": [
        "licenses"
      ],
      "source": "Delaware state regulator",
      "source_url": "https://banking.delaware.gov/delaware-approved-mortgage-loan-originators/",
      "verified_at": "2026-10-30"
    },
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      "q": "What lender does J work for?",
      "a": "E Mortgage Capital, Inc., company NMLS 1416824, per the lender's own site (verified 2026-10-20).",
      "fields": [
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      ],
      "source": "lender site",
      "source_url": "https://securities.arkansas.gov/loans/nmls/",
      "verified_at": "2026-10-20"
    },
    {
      "q": "How long has J been licensed?",
      "a": "The earliest state license record LenDb holds for J is from July 28, 2021 (Florida regulator). That is a record date from the rosters we hold, not proof of continuous licensure.",
      "fields": [
        "earliest_license_record"
      ],
      "source": "Florida state regulator",
      "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip",
      "verified_at": "2026-10-15"
    }
  ],
  "field_notes": {
    "languages": "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."
  },
  "loan_officer": {
    "nmls_id": 2091679,
    "slug": "j-contreras-2091679",
    "canonical_url": "https://lendb.ai/lo/j-contreras-2091679",
    "md_url": "https://lendb.ai/lo/j-contreras-2091679.md",
    "json_url": "https://lendb.ai/lo/j-contreras-2091679.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2091679",
    "full_name": {
      "value": "J Contreras",
      "source": "state_regulator",
      "source_url": "https://securities.arkansas.gov/loans/nmls/",
      "verified_at": "2026-10-20"
    },
    "first_name": "J",
    "last_name": "Contreras",
    "headshot_url": null,
    "bio": null,
    "title": null,
    "languages": {
      "value": [],
      "source": "state_regulator",
      "source_url": "https://securities.arkansas.gov/loans/nmls/",
      "verified_at": "2026-10-20"
    },
    "years_licensed": null,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 0,
    "current_employment": {
      "lender_nmls_id": 1416824,
      "lender_name": "E Mortgage Capital, Inc.",
      "lender_slug": "e-mortgage-capital-inc-1416824",
      "branch_city": null,
      "branch_state": null,
      "branch_zip": null,
      "start_date": null,
      "end_date": null,
      "lender_profile_url": null,
      "lender_type": "other",
      "source": "state_regulator",
      "source_url": "https://securities.arkansas.gov/loans/nmls/",
      "verified_at": "2026-10-20"
    },
    "employment_history": [
      {
        "lender_nmls_id": 1416824,
        "lender_name": "E Mortgage Capital, Inc.",
        "lender_slug": "e-mortgage-capital-inc-1416824",
        "branch_city": null,
        "branch_state": null,
        "branch_zip": null,
        "start_date": null,
        "end_date": null,
        "lender_profile_url": null,
        "lender_type": "other",
        "source": "state_regulator",
        "source_url": "https://securities.arkansas.gov/loans/nmls/",
        "verified_at": "2026-10-20"
      }
    ],
    "licenses": [
      {
        "state": "FL",
        "license_type": "state_license",
        "license_number": "LO92080",
        "status": "expired",
        "issued_at": "2021-07-28",
        "source": "state_regulator",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip",
        "verified_at": "2026-10-15",
        "confidence": "confirmed",
        "regulator": "fl"
      },
      {
        "state": "DE",
        "license_type": "state_license",
        "license_number": null,
        "status": "active",
        "issued_at": null,
        "source": "state_regulator",
        "source_url": "https://banking.delaware.gov/delaware-approved-mortgage-loan-originators/",
        "verified_at": "2026-10-30",
        "confidence": "confirmed",
        "regulator": "de"
      },
      {
        "state": "AR",
        "license_type": "state_license",
        "license_number": null,
        "status": "active",
        "issued_at": null,
        "source": "state_regulator",
        "source_url": "https://securities.arkansas.gov/loans/nmls/",
        "verified_at": "2026-10-20",
        "confidence": "confirmed",
        "regulator": "ar"
      },
      {
        "state": "IA",
        "license_type": "state_license",
        "license_number": "57749",
        "status": "active",
        "issued_at": "2026-07-06",
        "source": "state_regulator",
        "source_url": "https://idob.iowa.gov/",
        "verified_at": "2026-10-20",
        "confidence": "confirmed",
        "regulator": "ia"
      },
      {
        "state": "CA",
        "license_type": "state_license",
        "license_number": "CA-DFPI2091679",
        "status": "active",
        "issued_at": "2025-05-19",
        "source": "state_regulator",
        "source_url": "https://dfpi.ca.gov/",
        "verified_at": "2026-10-24",
        "confidence": "confirmed",
        "regulator": "ca_dfpi",
        "regulator_name": "California Department of Financial Protection and Innovation"
      }
    ],
    "specialties": [],
    "lender_offers": [],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [],
    "last_verified_at": "2026-10-30",
    "updated_at": "2026-10-30 15:38:22.768754+00",
    "disciplinary_check": "not_checked",
    "gated_contact": null,
    "earliest_license_record": {
      "date": "2021-07-28",
      "state": "FL"
    },
    "licensed_since": {
      "year": 2021,
      "state": "FL"
    },
    "federal_registration": null
  }
}