--- canonical_url: https://lendb.ai/lo/jake-mckay-388731 json_url: https://lendb.ai/lo/jake-mckay-388731.json nmls_id: 388731 last_verified: 2026-10-09 --- # Jake McKay Senior Loan Officer at Embrace Home Loans, Middletown, RI. NMLS ID 388731 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/388731)). **Summary:** Jake McKay (NMLS 388731) is Senior Loan Officer at Embrace Home Loans, based in Middletown, RI. Licensed in 3 states confirmed with state regulators: Florida, Colorado and Pennsylvania. Also lists Alabama, Arkansas, California, Connecticut, District of Columbia, Delaware, Georgia, Idaho and 15 more on the lender page (not yet checked with the state regulator). Licensed since 2012 (per Colorado records). States 14 years of experience. Last verified 2026-10-09. ## At a glance - Licensed since 2012 (per Colorado records). This is license history on file, not total experience. - Years experience (stated by the LO): 14 (source: https://www.embracehomeloans.com/location/rhode-island/middletown/jake-mckay, verified 2026-10-09) - Licensed in: Florida (FL, confirmed), Colorado (CO, confirmed), Pennsylvania (PA, confirmed), Alabama (AL, lender_reported), Arkansas (AR, lender_reported), California (CA, lender_reported), Connecticut (CT, lender_reported), District of Columbia (DC, lender_reported), Delaware (DE, lender_reported), Georgia (GA, lender_reported), Idaho (ID, lender_reported), Illinois (IL, lender_reported), Indiana (IN, lender_reported), Massachusetts (MA, lender_reported), North Carolina (NC, lender_reported), New Hampshire (NH, lender_reported), New Jersey (NJ, lender_reported), New York (NY, lender_reported), Ohio (OH, lender_reported), Oklahoma (OK, lender_reported), Oregon (OR, lender_reported), Rhode Island (RI, lender_reported), South Carolina (SC, lender_reported), Tennessee (TN, lender_reported), Texas (TX, lender_reported), Virginia (VA, lender_reported) - 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 - Profile: unclaimed - Status: active ## Specialties ## About Jake McKay has over 14 years at Embrace Home Loans, specializing in simplifying the mortgage process for first-time buyers, investors, and refinancing borrowers. He maintains a 98% satisfaction rating with top CARE letter recipient status. Source: LenDb summary of the lender page, verified 2026-10-09. ## Facts from the lender page and intro - years_experience: 14. Source: https://www.embracehomeloans.com/location/rhode-island/middletown/jake-mckay, verified 2026-10-09. - credential: Rookie of the Year and All-Star status at Embrace. Source: https://www.embracehomeloans.com/location/rhode-island/middletown/jake-mckay, verified 2026-10-09. - credential: Top CARE letter recipient with 98% satisfaction rating. Source: https://www.embracehomeloans.com/location/rhode-island/middletown/jake-mckay, verified 2026-10-09. ## Licenses | State | Type | Number | Status | Confidence | Issued | Source | Verified | |---|---|---|---|---|---|---|---| | FL | state_license | LO97283 | active | confirmed | 2021-11-10 | state_regulator | 2026-10-09 | | CO | state_license | 100038439 | active | confirmed | 2012-02-16 | state_regulator | 2026-10-10 | | PA | state_license | 35462 | active | confirmed | | state_regulator | 2026-10-10 | | AL | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | AR | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | CA | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | CT | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | DC | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | DE | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | GA | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | ID | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | IL | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | IN | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | MA | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | NC | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | NH | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | NJ | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | NY | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | OH | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | OK | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | OR | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | RI | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | SC | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | TN | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | TX | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | VA | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | ## Employment history - ? to present: Embrace Home Loans (NMLS 2184), Middletown, RI. Source: https://www.embracehomeloans.com/location/rhode-island/middletown/jake-mckay, verified 2026-10-09. ## Disciplinary history Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/388731 ## Contact - View profile at Embrace Home Loans: https://www.embracehomeloans.com/location/rhode-island/middletown/jake-mckay - Office phone and Email on file: shown at https://lendb.ai/lo/jake-mckay-388731#contact after a quick human check (not available in this file, the API or MCP). ## Sources - nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/388731 - state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip - state_regulator: https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=140439&contact=36774 - state_regulator: https://data.pa.gov/d/tyxc-jyug - lender_site: https://www.embracehomeloans.com/location/rhode-island/middletown/jake-mckay Cite as: Jake McKay (NMLS 388731), Embrace Home Loans. LenDb.ai, https://lendb.ai/lo/jake-mckay-388731, last verified 2026-10-09. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._