---
canonical_url: https://lendb.ai/lo/j-contreras-2091679
json_url: https://lendb.ai/lo/j-contreras-2091679.json
nmls_id: 2091679
last_verified: 2026-10-30
---

# J Contreras

Loan officer at E Mortgage Capital, Inc.. NMLS ID 2091679 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2091679)).

J Contreras (NMLS 2091679) is a mortgage loan officer at E Mortgage Capital, Inc., licensed in Delaware, Arkansas, Iowa and California.

**Summary:** J Contreras (NMLS 2091679) is a loan officer at E Mortgage Capital, Inc.. Licensed in 4 states confirmed with state regulators: Delaware, Arkansas, Iowa and California. Earliest state license record: July 28, 2021 (Florida), per state regulator. Last verified 2026-10-30.

## Quick answers

### Is J licensed in Delaware?

Yes. Delaware regulator records list a license as active (verified 2026-10-30). LenDb has 3 other states on file for J. Source: https://banking.delaware.gov/delaware-approved-mortgage-loan-originators/.

### What lender does J 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 J been licensed?

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. Source: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip.

## At a glance

- Earliest state license record: July 28, 2021 (Florida), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Licensed in: Delaware (DE, confirmed), Arkansas (AR, confirmed), Iowa (IA, 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 | LO92080 | expired | confirmed | 2021-07-28 | state_regulator | 2026-10-15 |
| DE | Delaware regulator | state_license | n/a | active | confirmed |  | state_regulator | 2026-10-30 |
| AR | Arkansas regulator | state_license | n/a | active | confirmed |  | state_regulator | 2026-10-20 |
| IA | Iowa regulator | state_license | 57749 | active | confirmed | 2026-07-06 | state_regulator | 2026-10-20 |
| CA | California Department of Financial Protection and Innovation | state_license | CA-DFPI2091679 | active | confirmed | 2025-05-19 | state_regulator | 2026-10-24 |

## 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/2091679

## Contact


## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2091679
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip
- state_regulator: https://banking.delaware.gov/delaware-approved-mortgage-loan-originators/
- state_regulator: https://securities.arkansas.gov/loans/nmls/
- state_regulator: https://idob.iowa.gov/
- state_regulator: https://dfpi.ca.gov/

Cite as: J Contreras (NMLS 2091679), E Mortgage Capital, Inc.. LenDb.ai, https://lendb.ai/lo/j-contreras-2091679, last verified 2026-10-30.

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