Joseph Carnell

E Mortgage Capital, Inc.

NMLS ID 1877675 (opens in a new tab) · verify at NMLS Consumer Access

Joseph Carnell (NMLS 1877675) is a mortgage loan officer at E Mortgage Capital, Inc., licensed in Colorado since 2026 and in California.

Last verified . Sources: E Mortgage Capital, Inc. (dre.ca.gov), California state regulator, Colorado state regulator and NMLS Consumer Access (license status, check live).

Quick answers

Is Joseph licensed in California?
Yes. California regulator records list license 02103070 as active (verified 2026-10-24). LenDb has 1 other state on file for Joseph.
Source: California state regulator (opens in a new tab)
What lender does Joseph work for?
E Mortgage Capital, Inc., company NMLS 1416824, per the lender's own site (verified 2026-10-15).
Source: lender site (opens in a new tab)
How long has Joseph been licensed?
The earliest state license record LenDb holds for Joseph is from February 25, 2026 (Colorado regulator). That is a record date from the rosters we hold, not proof of continuous licensure.
Source: Colorado state regulator (opens in a new tab)

Specialties

Focus

No focus listed on their lender page yet.

    Focus is the loan officer's own: their bio, title, a certification or their own specialty list on their lender page, or what they report. Programs their lender offers are listed separately and never count as their focus in search.

    Licensed states

    AKMEVTNHWAIDMTNDMNILWIMINYMARIORNVWYSDIAINOHPANJCTCAUTCONEMOKYWVVAMDDEAZNMKSARTNNCSCDCOKLAMSALGAHITXFL

    California, Colorado

    ✓ Confirmed with the state regulator: CA DRE (opens in a new tab) (02103070), CO (opens in a new tab) (100544545, first effective 2026-02-25), verified 2026-10-24.

    Contact

    No public business contact on file.

    We never see who you contact.

    Employment history

    1. E Mortgage Capital, Inc. NMLS 1416824

      Current · seen on lender site 2026-10-15

    Disciplinary history

    Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access (opens in a new tab).

    Sources

    Name and employerstate regulator · dre.ca.gov (opens in a new tab)verified 2026-10-15
    Licenses (regulator)state regulator · apps.colorado.gov (opens in a new tab)verified 2026-10-16
    License statusNMLS Consumer Access (opens in a new tab)check live

    Also available as Markdown, JSON, or via the API.

    Cite as: Joseph Carnell (NMLS 1877675), E Mortgage Capital, Inc.. LenDb.ai, https://lendb.ai/lo/joseph-carnell-1877675, last verified 2026-10-24.

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