---
canonical_url: https://lendb.ai/lo/joel-caruso-2663137
json_url: https://lendb.ai/lo/joel-caruso-2663137.json
nmls_id: 2663137
last_verified: 2026-10-15
---

# Joel Caruso

Loan officer at Zero Point Mortgage Services. NMLS ID 2663137 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2663137)).

**Summary:** Joel Caruso (NMLS 2663137) is a loan officer at Zero Point Mortgage Services. Lists Arizona, California, Colorado, New Mexico, Oregon, Texas and Washington on the lender page (not yet checked with the state regulator). Earliest state license record: April 24, 2025 (Florida), per state regulator. Last verified 2026-10-15.

## At a glance

- Earliest state license record: April 24, 2025 (Florida), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Licensed in: Arizona (AZ, lender_reported), California (CA, lender_reported), Colorado (CO, lender_reported), New Mexico (NM, lender_reported), Oregon (OR, lender_reported), Texas (TX, lender_reported), Washington (WA, lender_reported)
- 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

- credential: Certified Sommelier and WSET Level 3 wine and spirits specialist. Source: https://www.zpmloans.com/ZPM-Officers/joel-caruso, verified 2026-10-15.
- credential: Wine Spectator Awards and OC Weekly's Bartender of the Year. Source: https://www.zpmloans.com/ZPM-Officers/joel-caruso, verified 2026-10-15.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO137441 | expired | confirmed | 2025-04-24 | state_regulator | 2026-10-15 |
| AZ | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-15 |
| CA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-15 |
| CO | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-15 |
| NM | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-15 |
| OR | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-15 |
| TX | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-15 |
| WA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-15 |

## Employment history

- ? to present: Zero Point Mortgage Services (NMLS 1216108). Source: https://www.zpmloans.com/ZPM-Officers/joel-caruso, 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/2663137

## Contact

- View profile at Zero Point Mortgage Services: https://www.zpmloans.com/ZPM-Officers/joel-caruso
- Office phone on file: shown at https://lendb.ai/lo/joel-caruso-2663137#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2663137
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip
- lender_site: https://www.zpmloans.com/ZPM-Officers/joel-caruso

Cite as: Joel Caruso (NMLS 2663137), Zero Point Mortgage Services. LenDb.ai, https://lendb.ai/lo/joel-caruso-2663137, last verified 2026-10-15.

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