---
canonical_url: https://lendb.ai/lo/john-horton-523637
json_url: https://lendb.ai/lo/john-horton-523637.json
nmls_id: 523637
last_verified: 2026-10-28
---

# John Horton

Loan officer at Standard Mortgage Capital LLC. NMLS ID 523637 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/523637)).

John Horton (NMLS 523637) is a mortgage loan officer at Standard Mortgage Capital LLC, licensed in Iowa and Illinois. John works at an FHA-approved lender, per HUD.

**Summary:** John Horton (NMLS 523637) is a loan officer at Standard Mortgage Capital LLC. Licensed in 2 states confirmed with state regulators: Iowa and Illinois. Earliest state license record: December 19, 2022 (Florida), per state regulator. Last verified 2026-10-28.

## Quick answers

### Is John licensed in Iowa?

Yes. Iowa regulator records list license 54651 as active, first effective June 17, 2025 (verified 2026-10-20). LenDb has 1 other state on file for John. Source: https://idob.iowa.gov/.

### What lender does John work for, and is it FHA-approved?

Standard Mortgage Capital LLC, company NMLS 1604663, per the lender's own site (verified 2026-10-20). Works at an FHA-approved lender, per HUD (HUD FHA data, loans endorsed through Aug 2026). Source: https://idob.iowa.gov/.

### How long has John been licensed?

The earliest state license record LenDb holds for John is from December 19, 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_AI_Monthly.zip.

## At a glance

- Earliest state license record: December 19, 2022 (Florida), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Licensed in: Iowa (IA, confirmed), Illinois (IL, confirmed)
- Works at an FHA-approved lender, per HUD (HUD FHA data, loans endorsed through Aug 2026): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot
- 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 | LO116044 | expired | confirmed | 2022-12-19 | state_regulator | 2026-10-15 |
| IA | Iowa regulator | state_license | 54651 | active | confirmed | 2025-06-17 | state_regulator | 2026-10-20 |
| WI | Wisconsin regulator | state_license | 523637 | inactive | confirmed | 2022-12-20 | state_regulator | 2026-10-21 |
| IL | Illinois regulator | state_license | 31.0080609 | active | confirmed | 2022-12-19 | state_regulator | 2026-10-28 |

## Employment history

- ? to present: Standard Mortgage Capital LLC (NMLS 1604663). Source: https://idob.iowa.gov/, verified 2026-10-20.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/523637

## Contact


## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/523637
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip
- state_regulator: https://idob.iowa.gov/
- state_regulator: https://dfi.wi.gov/Pages/BusinessServices/MortgageBanking/
- state_regulator: https://idfpr.illinois.gov/banks/resfin.html
- HUD (FHA data): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot

Cite as: John Horton (NMLS 523637), Standard Mortgage Capital LLC. LenDb.ai, https://lendb.ai/lo/john-horton-523637, last verified 2026-10-28.

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