---
canonical_url: https://lendb.ai/lo/james-eichenbaum-1178478
json_url: https://lendb.ai/lo/james-eichenbaum-1178478.json
nmls_id: 1178478
last_verified: 2026-10-28
---

# James Eichenbaum

Loan officer at OPTIMUM FIRST INC.. NMLS ID 1178478 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1178478)).

James Eichenbaum (NMLS 1178478) is a mortgage loan officer at OPTIMUM FIRST INC., licensed in Illinois since 2026 and in Florida and California.

**Summary:** James Eichenbaum (NMLS 1178478) is a loan officer at OPTIMUM FIRST INC.. Licensed in 3 states confirmed with state regulators: Florida, California and Illinois. Earliest state license record: May 4, 2026 (Illinois), per state regulator. Last verified 2026-10-28.

## Quick answers

### Is James licensed in Florida?

Yes. Florida regulator records list license LO148453 as active, first effective June 8, 2026 (verified 2026-10-15). LenDb has 2 other states on file for James. Source: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip.

### What lender does James work for?

OPTIMUM FIRST INC., company NMLS 240415, per the lender's own site (verified 2026-10-15). Source: https://www.dre.ca.gov/Licensees/ExamineeLicenseeListDataFiles.html.

### How long has James been licensed?

The earliest state license record LenDb holds for James is from May 4, 2026 (Illinois regulator). That is a record date from the rosters we hold, not proof of continuous licensure. Source: https://idfpr.illinois.gov/banks/resfin.html.

## At a glance

- Earliest state license record: May 4, 2026 (Illinois), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Licensed in: Florida (FL, confirmed), California (CA DRE, confirmed), Illinois (IL, 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 | LO148453 | active | confirmed | 2026-06-08 | state_regulator | 2026-10-15 |
| CA | California Department of Real Estate | state_license | 00891338 | active | confirmed |  | state_regulator | 2026-10-24 |
| IL | Illinois regulator | state_license | 31.0094640 | active | confirmed | 2026-05-04 | state_regulator | 2026-10-28 |

## Employment history

- ? to present: OPTIMUM FIRST INC. (NMLS 240415). Source: https://www.dre.ca.gov/Licensees/ExamineeLicenseeListDataFiles.html, verified 2026-10-15.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1178478

## Contact


## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1178478
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip
- state_regulator: https://www.dre.ca.gov/Licensees/ExamineeLicenseeListDataFiles.html
- state_regulator: https://idfpr.illinois.gov/banks/resfin.html

Cite as: James Eichenbaum (NMLS 1178478), OPTIMUM FIRST INC.. LenDb.ai, https://lendb.ai/lo/james-eichenbaum-1178478, last verified 2026-10-28.

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