---
canonical_url: https://lendb.ai/lo/james-zucca-787266
json_url: https://lendb.ai/lo/james-zucca-787266.json
nmls_id: 787266
last_verified: 2026-10-28
---

# James Zucca

Loan officer at OPTIMUM FIRST INC.. NMLS ID 787266 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/787266)).

James Zucca (NMLS 787266) is a mortgage loan officer at OPTIMUM FIRST INC., licensed in California, Oregon and Illinois.

**Summary:** James Zucca (NMLS 787266) is a loan officer at OPTIMUM FIRST INC.. Licensed in 3 states confirmed with state regulators: California, Oregon and Illinois. Earliest state license record: March 7, 2022 (Florida), per state regulator. Last verified 2026-10-28.

## Quick answers

### Is James licensed in California?

Yes. California regulator records list license 01940020 as active (verified 2026-10-24). LenDb has 2 other states on file for James. Source: https://www.dre.ca.gov/Licensees/ExamineeLicenseeListDataFiles.html.

### What lender does James work for?

OPTIMUM FIRST INC., company NMLS 240415, per the lender's own site (verified 2026-10-20). Source: https://dfr.oregon.gov/.

### How long has James been licensed?

The earliest state license record LenDb holds for James is from March 7, 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_SZ_Monthly.zip.

## At a glance

- Earliest state license record: March 7, 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 J. Zucca (CA, FL, OR, as of 2026-10-15)
- Licensed in: California (CA DRE, confirmed), Oregon (OR, 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 | LO103682 | expired | confirmed | 2022-03-07 | state_regulator | 2026-10-15 |
| CA | California Department of Real Estate | state_license | 01940020 | active | confirmed |  | state_regulator | 2026-10-24 |
| OR | Oregon regulator | state_license | n/a | active | confirmed | 2026-06-24 | state_regulator | 2026-10-20 |
| IL | Illinois regulator | state_license | 31.0095385 | active | confirmed | 2026-06-24 | state_regulator | 2026-10-28 |

## Employment history

- ? to present: OPTIMUM FIRST INC. (NMLS 240415). Source: https://dfr.oregon.gov/, verified 2026-10-20.
- ? to present: United Lending Team, INC (NMLS 2273319). 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/787266

## Contact


## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/787266
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip
- state_regulator: https://www.dre.ca.gov/Licensees/ExamineeLicenseeListDataFiles.html
- state_regulator: https://dfr.oregon.gov/
- state_regulator: https://idfpr.illinois.gov/banks/resfin.html

Cite as: James Zucca (NMLS 787266), OPTIMUM FIRST INC.. LenDb.ai, https://lendb.ai/lo/james-zucca-787266, last verified 2026-10-28.

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