{
  "canonical_url": "https://lendb.ai/lo/joseph-carnell-1877675",
  "lede": {
    "text": "Joseph Carnell (NMLS 1877675) is a mortgage loan officer at E Mortgage Capital, Inc., licensed in Colorado since 2026 and in California.",
    "fields": [
      "full_name",
      "nmls_id",
      "current_employment",
      "licenses",
      "earliest_license_record"
    ]
  },
  "quick_answers": [
    {
      "q": "Is Joseph licensed in California?",
      "a": "Yes. California regulator records list license 02103070 as active (verified 2026-10-24). LenDb has 1 other state on file for Joseph.",
      "fields": [
        "licenses"
      ],
      "source": "California state regulator",
      "source_url": "https://www.dre.ca.gov/Licensees/ExamineeLicenseeListDataFiles.html",
      "verified_at": "2026-10-24"
    },
    {
      "q": "What lender does Joseph work for?",
      "a": "E Mortgage Capital, Inc., company NMLS 1416824, per the lender's own site (verified 2026-10-15).",
      "fields": [
        "current_employment"
      ],
      "source": "lender site",
      "source_url": "https://www.dre.ca.gov/Licensees/ExamineeLicenseeListDataFiles.html",
      "verified_at": "2026-10-15"
    },
    {
      "q": "How long has Joseph been licensed?",
      "a": "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.",
      "fields": [
        "earliest_license_record"
      ],
      "source": "Colorado state regulator",
      "source_url": "https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=289225&contact=513598",
      "verified_at": "2026-10-16"
    }
  ],
  "field_notes": {
    "languages": "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."
  },
  "loan_officer": {
    "nmls_id": 1877675,
    "slug": "joseph-carnell-1877675",
    "canonical_url": "https://lendb.ai/lo/joseph-carnell-1877675",
    "md_url": "https://lendb.ai/lo/joseph-carnell-1877675.md",
    "json_url": "https://lendb.ai/lo/joseph-carnell-1877675.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1877675",
    "full_name": {
      "value": "Joseph Carnell",
      "source": "state_regulator",
      "source_url": "https://www.dre.ca.gov/Licensees/ExamineeLicenseeListDataFiles.html",
      "verified_at": "2026-10-15"
    },
    "first_name": "Joseph",
    "last_name": "Carnell",
    "licensed_names": [
      {
        "name": "Joseph Carnell",
        "name_with_middle_initial": "Joseph N. Carnell",
        "first_name": "Joseph",
        "middle_initial": "N",
        "last_name": "Carnell",
        "states": [
          "CA",
          "CO"
        ],
        "source": "state_regulator",
        "as_of": "2026-10-15"
      }
    ],
    "headshot_url": null,
    "bio": null,
    "title": null,
    "languages": {
      "value": [],
      "source": "state_regulator",
      "source_url": "https://www.dre.ca.gov/Licensees/ExamineeLicenseeListDataFiles.html",
      "verified_at": "2026-10-15"
    },
    "years_licensed": null,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 0,
    "current_employment": {
      "lender_nmls_id": 1416824,
      "lender_name": "E Mortgage Capital, Inc.",
      "lender_slug": "e-mortgage-capital-inc-1416824",
      "branch_city": null,
      "branch_state": null,
      "branch_zip": null,
      "start_date": null,
      "end_date": null,
      "lender_profile_url": null,
      "lender_type": "other",
      "source": "state_regulator",
      "source_url": "https://www.dre.ca.gov/Licensees/ExamineeLicenseeListDataFiles.html",
      "verified_at": "2026-10-15"
    },
    "employment_history": [
      {
        "lender_nmls_id": 1416824,
        "lender_name": "E Mortgage Capital, Inc.",
        "lender_slug": "e-mortgage-capital-inc-1416824",
        "branch_city": null,
        "branch_state": null,
        "branch_zip": null,
        "start_date": null,
        "end_date": null,
        "lender_profile_url": null,
        "lender_type": "other",
        "source": "state_regulator",
        "source_url": "https://www.dre.ca.gov/Licensees/ExamineeLicenseeListDataFiles.html",
        "verified_at": "2026-10-15"
      }
    ],
    "licenses": [
      {
        "state": "CA",
        "license_type": "state_license",
        "license_number": "02103070",
        "status": "active",
        "issued_at": null,
        "source": "state_regulator",
        "source_url": "https://www.dre.ca.gov/Licensees/ExamineeLicenseeListDataFiles.html",
        "verified_at": "2026-10-24",
        "confidence": "confirmed",
        "regulator": "ca_dre",
        "regulator_name": "California Department of Real Estate"
      },
      {
        "state": "CO",
        "license_type": "state_license",
        "license_number": "100544545",
        "status": "active",
        "issued_at": "2026-02-25",
        "source": "state_regulator",
        "source_url": "https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=289225&contact=513598",
        "verified_at": "2026-10-16",
        "confidence": "confirmed",
        "regulator": "co"
      }
    ],
    "specialties": [],
    "lender_offers": [],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [],
    "last_verified_at": "2026-10-24",
    "updated_at": "2026-10-24 19:30:30.882627+00",
    "disciplinary_check": "not_checked",
    "gated_contact": null,
    "earliest_license_record": {
      "date": "2026-02-25",
      "state": "CO"
    },
    "licensed_since": {
      "year": 2026,
      "state": "CO"
    },
    "federal_registration": null
  }
}