---
canonical_url: https://lendb.ai/lo/jessica-penalosa-1270923
json_url: https://lendb.ai/lo/jessica-penalosa-1270923.json
nmls_id: 1270923
last_verified: 2026-10-31
---

# Jessica Penalosa

Loan officer at E Mortgage Capital, Inc.. NMLS ID 1270923 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1270923)).

Jessica Penalosa (NMLS 1270923) is a mortgage loan officer at E Mortgage Capital, Inc., licensed in Texas since 2023 and in Florida, California, Colorado and 5 more states.

**Summary:** Jessica Penalosa (NMLS 1270923) is a loan officer at E Mortgage Capital, Inc.. Licensed in 9 states confirmed with state regulators: Florida, Texas, California, Colorado, Oregon, Maryland, Wyoming, Illinois and 1 more. Earliest state license record: June 16, 2023 (Texas), per state regulator. Last verified 2026-10-31.

## Quick answers

### Is Jessica licensed in Florida?

Yes. Florida regulator records list license LO131664 as active, first effective September 9, 2024 (verified 2026-10-15). LenDb has 8 other states on file for Jessica. Source: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip.

### What lender does Jessica work for?

E Mortgage Capital, Inc., company NMLS 1416824, per the lender's own site (verified 2026-10-13). Source: https://www.sml.texas.gov/.

### How long has Jessica been licensed?

The earliest state license record LenDb holds for Jessica is from June 16, 2023 (Texas regulator). That is a record date from the rosters we hold, not proof of continuous licensure. Source: https://www.sml.texas.gov/.

## At a glance

- Earliest state license record: June 16, 2023 (Texas), 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): Jessica L. Penalosa (CA, CO, FL, MD, NV, OR, TX, WY, as of 2026-10-28)
- Licensed in: Florida (FL, confirmed), Texas (TX, confirmed), California (CA DRE, confirmed), Colorado (CO, confirmed), Oregon (OR, confirmed), Maryland (MD, confirmed), Wyoming (WY, confirmed), Illinois (IL, confirmed), Nevada (NV, 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 | LO131664 | active | confirmed | 2024-09-09 | state_regulator | 2026-10-15 |
| TX | Texas regulator | state_license | n/a | active | confirmed | 2023-06-16 | state_regulator | 2026-10-13 |
| CA | California Department of Real Estate | state_license | 01969512 | active | confirmed |  | state_regulator | 2026-10-24 |
| CO | Colorado regulator | state_license | 100541382 | active | confirmed | 2025-02-24 | state_regulator | 2026-10-16 |
| OR | Oregon regulator | state_license | n/a | active | confirmed | 2024-11-01 | state_regulator | 2026-10-20 |
| MD | Maryland regulator | state_license | n/a | active | confirmed |  | state_regulator | 2026-10-26 |
| WY | Wyoming regulator | state_license | 109470 | active | confirmed | 2025-12-04 | state_regulator | 2026-10-27 |
| IL | Illinois regulator | state_license | 31.0095866 | active | confirmed | 2026-08-04 | state_regulator | 2026-10-28 |
| NV | Nevada regulator | state_license | NMLO-184233 | active | confirmed | 2026-07-31 | state_regulator | 2026-10-31 |

## Employment history

- ? to present: E Mortgage Capital, Inc. (NMLS 1416824). Source: https://www.sml.texas.gov/, verified 2026-10-13.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1270923

## Contact


## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1270923
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip
- state_regulator: https://www.sml.texas.gov/
- state_regulator: https://www.dre.ca.gov/Licensees/ExamineeLicenseeListDataFiles.html
- state_regulator: https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=330999&contact=562980
- state_regulator: https://dfr.oregon.gov/
- state_regulator: https://www.labor.maryland.gov/finance/
- state_regulator: https://wyomingbankingdivision.wyo.gov/
- state_regulator: https://idfpr.illinois.gov/banks/resfin.html
- state_regulator: https://mld.nv.gov/

Cite as: Jessica Penalosa (NMLS 1270923), E Mortgage Capital, Inc.. LenDb.ai, https://lendb.ai/lo/jessica-penalosa-1270923, last verified 2026-10-31.

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