---
canonical_url: https://lendb.ai/lo/joel-valencia-1904570
json_url: https://lendb.ai/lo/joel-valencia-1904570.json
nmls_id: 1904570
last_verified: 2026-10-24
---

# Joel Valencia

Loan officer at Lumin Lending Inc.. NMLS ID 1904570 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1904570)).

Joel Valencia (NMLS 1904570) is a mortgage loan officer at Lumin Lending Inc., licensed in Oregon since 2026 and in Florida and California.

**Summary:** Joel Valencia (NMLS 1904570) is a loan officer at Lumin Lending Inc.. Licensed in 3 states confirmed with state regulators: Florida, California and Oregon. Earliest state license record: February 2, 2026 (Oregon), per state regulator. Last verified 2026-10-24.

## Quick answers

### Is Joel licensed in Florida?

Yes. Florida regulator records list license LO145019 as active, first effective February 13, 2026 (verified 2026-10-15). LenDb has 2 other states on file for Joel. Source: https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip.

### What lender does Joel work for?

Lumin Lending Inc., company NMLS 2716106, per the lender's own site (verified 2026-10-15). Source: https://www.dre.ca.gov/Licensees/ExamineeLicenseeListDataFiles.html.

### How long has Joel been licensed?

The earliest state license record LenDb holds for Joel is from February 2, 2026 (Oregon regulator). That is a record date from the rosters we hold, not proof of continuous licensure. Source: https://dfr.oregon.gov/.

## At a glance

- Earliest state license record: February 2, 2026 (Oregon), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Licensed in: Florida (FL, confirmed), California (CA DRE, 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 | LO145019 | active | confirmed | 2026-02-13 | state_regulator | 2026-10-15 |
| CA | California Department of Real Estate | state_license | 02442253 | active | confirmed |  | state_regulator | 2026-10-24 |
| OR | Oregon regulator | state_license | n/a | active | confirmed | 2026-02-02 | state_regulator | 2026-10-20 |

## Employment history

- ? to present: Lumin Lending Inc. (NMLS 2716106). 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/1904570

## Contact


## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1904570
- 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/

Cite as: Joel Valencia (NMLS 1904570), Lumin Lending Inc.. LenDb.ai, https://lendb.ai/lo/joel-valencia-1904570, last verified 2026-10-24.

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