---
canonical_url: https://lendb.ai/lo/james-o-neal-2109273
json_url: https://lendb.ai/lo/james-o-neal-2109273.json
nmls_id: 2109273
last_verified: 2026-10-15
---

# James O'Neal

Loan Originator at Full Realty Services, Inc.. NMLS ID 2109273 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2109273)).

**Summary:** James O'Neal (NMLS 2109273) is Loan Originator at Full Realty Services, Inc.. Licensed in California, confirmed with the state regulator (license 01433401). Last verified 2026-10-15.

## At a glance

- Earliest state license record: none on file. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Licensed in: California (CA, 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
- Profile: unclaimed
- Status: active

## Specialties

### Focus (officer level: their own bio, title, certification, specialty list or claim)

- None on file yet.

## Facts from the lender page and intro

- service_area: Inland Empire and San Diego. Source: https://21stcenturylending.com/lo/james-oneal/, verified 2026-10-15.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| CA | state_license | 01433401 | active | confirmed |  | state_regulator | 2026-10-15 |

## Employment history

- ? to present: Full Realty Services, Inc. (NMLS 241835). Source: https://21stcenturylending.com/lo/james-oneal/, 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/2109273

## Contact

- View profile at Full Realty Services, Inc.: https://21stcenturylending.com/lo/james-oneal/
- Email on file: shown at https://lendb.ai/lo/james-o-neal-2109273#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2109273
- state_regulator: https://www.dre.ca.gov/Licensees/ExamineeLicenseeListDataFiles.html
- state_regulator: https://21stcenturylending.com/lo/james-oneal/

Cite as: James O'Neal (NMLS 2109273), Full Realty Services, Inc.. LenDb.ai, https://lendb.ai/lo/james-o-neal-2109273, last verified 2026-10-15.

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