---
canonical_url: https://lendb.ai/lo/james-pate-831097
json_url: https://lendb.ai/lo/james-pate-831097.json
nmls_id: 831097
last_verified: 2026-10-30
---

# James Pate

Loan officer at E Mortgage Capital, Inc.. NMLS ID 831097 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/831097)).

James Pate (NMLS 831097) is a mortgage loan officer at E Mortgage Capital, Inc., licensed in Connecticut, Delaware and Oregon.

**Summary:** James Pate (NMLS 831097) is a loan officer at E Mortgage Capital, Inc.. Licensed in 3 states confirmed with state regulators: Connecticut, Delaware and Oregon. Earliest state license record: February 15, 2022 (Florida), per state regulator. Last verified 2026-10-30.

## Quick answers

### Is James licensed in Connecticut?

Yes. Connecticut regulator records list license LO-831097 as active (verified 2026-10-15). LenDb has 2 other states on file for James. Source: https://portal.ct.gov/dob/consumer-credit-licenses/consumer-credit-licenses/mortgage-loan-originators-licensed-in-connecticut.

### What lender does James work for?

E Mortgage Capital, Inc., company NMLS 1416824, per the lender's own site (verified 2026-10-15). Source: https://portal.ct.gov/dob/consumer-credit-licenses/consumer-credit-licenses/mortgage-loan-originators-licensed-in-connecticut.

### How long has James been licensed?

The earliest state license record LenDb holds for James is from February 15, 2022 (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_JR_Monthly.zip.

## At a glance

- Earliest state license record: February 15, 2022 (Florida), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Also licensed as (state regulator records, same NMLS ID): James E. Pate (CT, DE, FL, OR, as of 2026-10-30)
- Licensed in: Connecticut (CT, confirmed), Delaware (DE, confirmed), Oregon (OR, 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 | LO102346 | expired | confirmed | 2022-02-15 | state_regulator | 2026-10-15 |
| CT | Connecticut regulator | state_license | LO-831097 | active | confirmed |  | state_regulator | 2026-10-15 |
| DE | Delaware regulator | state_license | n/a | active | confirmed |  | state_regulator | 2026-10-30 |
| OR | Oregon regulator | state_license | n/a | active | confirmed | 2026-04-03 | state_regulator | 2026-10-20 |

## Employment history

- ? to present: E Mortgage Capital, Inc. (NMLS 1416824). Source: https://portal.ct.gov/dob/consumer-credit-licenses/consumer-credit-licenses/mortgage-loan-originators-licensed-in-connecticut, 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/831097

## Contact


## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/831097
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip
- state_regulator: https://portal.ct.gov/dob/consumer-credit-licenses/consumer-credit-licenses/mortgage-loan-originators-licensed-in-connecticut
- state_regulator: https://banking.delaware.gov/delaware-approved-mortgage-loan-originators/
- state_regulator: https://dfr.oregon.gov/

Cite as: James Pate (NMLS 831097), E Mortgage Capital, Inc.. LenDb.ai, https://lendb.ai/lo/james-pate-831097, last verified 2026-10-30.

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