---
canonical_url: https://lendb.ai/lo/kathleen-ruiz-2004148
json_url: https://lendb.ai/lo/kathleen-ruiz-2004148.json
nmls_id: 2004148
last_verified: 2026-10-24
---

# Kathleen Ruiz

Loan officer at E Mortgage Capital, Inc.. NMLS ID 2004148 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2004148)).

Kathleen Ruiz (NMLS 2004148) is a mortgage loan officer at E Mortgage Capital, Inc., licensed in California since 2021.

**Summary:** Kathleen Ruiz (NMLS 2004148) is a loan officer at E Mortgage Capital, Inc.. Licensed in California, confirmed with the state regulator (license CA-DFPI2004148). Earliest state license record: May 4, 2021 (California), per state regulator. Last verified 2026-10-24.

## Quick answers

### Is Kathleen licensed in California?

Yes. California regulator records list license CA-DFPI2004148 as active, first effective May 4, 2021 (verified 2026-10-24). Source: https://dfpi.ca.gov/.

### What lender does Kathleen work for?

E Mortgage Capital, Inc., company NMLS 1416824, per the lender's own site (verified 2026-10-23). Source: https://dfpi.ca.gov/.

### How long has Kathleen been licensed?

The earliest state license record LenDb holds for Kathleen is from May 4, 2021 (California regulator). That is a record date from the rosters we hold, not proof of continuous licensure. Source: https://dfpi.ca.gov/.

## At a glance

- Earliest state license record: May 4, 2021 (California), 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): Kathleen I. Ruiz (CA, as of 2026-10-22)
- Licensed in: California (CA DFPI, 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 Financial Protection and Innovation | state_license | CA-DFPI2004148 | active | confirmed | 2021-05-04 | state_regulator | 2026-10-24 |

## Employment history

- ? to present: E Mortgage Capital, Inc. (NMLS 1416824). Source: https://dfpi.ca.gov/, verified 2026-10-23.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2004148

## Contact


## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2004148
- state_regulator: https://dfpi.ca.gov/

Cite as: Kathleen Ruiz (NMLS 2004148), E Mortgage Capital, Inc.. LenDb.ai, https://lendb.ai/lo/kathleen-ruiz-2004148, last verified 2026-10-24.

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