---
canonical_url: https://lendb.ai/lo/joseph-carnell-1877675
json_url: https://lendb.ai/lo/joseph-carnell-1877675.json
nmls_id: 1877675
last_verified: 2026-10-24
---

# Joseph Carnell

Loan officer at E Mortgage Capital, Inc.. NMLS ID 1877675 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1877675)).

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

**Summary:** Joseph Carnell (NMLS 1877675) is a loan officer at E Mortgage Capital, Inc.. Licensed in 2 states confirmed with state regulators: California and Colorado. Earliest state license record: February 25, 2026 (Colorado), per state regulator. Last verified 2026-10-24.

## 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: https://www.dre.ca.gov/Licensees/ExamineeLicenseeListDataFiles.html.

### What lender does Joseph work for?

E Mortgage Capital, Inc., company NMLS 1416824, per the lender's own site (verified 2026-10-15). Source: https://www.dre.ca.gov/Licensees/ExamineeLicenseeListDataFiles.html.

### 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: https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=289225&contact=513598.

## At a glance

- Earliest state license record: February 25, 2026 (Colorado), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Also licensed as (state regulator records, same NMLS ID): Joseph N. Carnell (CA, CO, as of 2026-10-15)
- Licensed in: California (CA DRE, confirmed), Colorado (CO, 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 |
|---|---|---|---|---|---|---|---|---|
| CA | California Department of Real Estate | state_license | 02103070 | active | confirmed |  | state_regulator | 2026-10-24 |
| CO | Colorado regulator | state_license | 100544545 | active | confirmed | 2026-02-25 | state_regulator | 2026-10-16 |

## Employment history

- ? to present: E Mortgage Capital, Inc. (NMLS 1416824). 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/1877675

## Contact


## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1877675
- state_regulator: https://www.dre.ca.gov/Licensees/ExamineeLicenseeListDataFiles.html
- state_regulator: https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=289225&contact=513598

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

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