--- canonical_url: https://lendb.ai/lo/kirk-hutchings-7593 json_url: https://lendb.ai/lo/kirk-hutchings-7593.json nmls_id: 7593 last_verified: 2026-10-09 --- # Kirk Hutchings Team Leader/Vice President at Embrace Home Loans, Middletown, RI. NMLS ID 7593 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/7593)). **Summary:** Kirk Hutchings (NMLS 7593) is Team Leader/Vice President at Embrace Home Loans, based in Middletown, RI. Licensed in 3 states confirmed with state regulators: Florida, Colorado and Pennsylvania. Also lists Alabama, Arkansas, Arizona, California, Connecticut, Delaware, Georgia, Idaho and 25 more on the lender page (not yet checked with the state regulator). Licensed since 2011 (per Florida records). States 39 years of experience. Last verified 2026-10-09. ## At a glance - Licensed since 2011 (per Florida records). This is license history on file, not total experience. - Years experience (stated by the LO): 39 (source: https://www.embracehomeloans.com/location/rhode-island/financial-institutions-group/kirk-hutchings, verified 2026-10-09) - Licensed in: Florida (FL, confirmed), Colorado (CO, confirmed), Pennsylvania (PA, confirmed), Alabama (AL, lender_reported), Arkansas (AR, lender_reported), Arizona (AZ, lender_reported), California (CA, lender_reported), Connecticut (CT, lender_reported), Delaware (DE, lender_reported), Georgia (GA, lender_reported), Idaho (ID, lender_reported), Illinois (IL, lender_reported), Indiana (IN, lender_reported), Kentucky (KY, lender_reported), Louisiana (LA, lender_reported), Massachusetts (MA, lender_reported), Maryland (MD, lender_reported), Maine (ME, lender_reported), Michigan (MI, lender_reported), Minnesota (MN, lender_reported), Montana (MT, lender_reported), North Carolina (NC, lender_reported), New Hampshire (NH, lender_reported), New Jersey (NJ, lender_reported), New York (NY, lender_reported), Ohio (OH, lender_reported), Oklahoma (OK, lender_reported), Oregon (OR, lender_reported), Rhode Island (RI, lender_reported), South Carolina (SC, lender_reported), Tennessee (TN, lender_reported), Texas (TX, lender_reported), Virginia (VA, lender_reported), Washington (WA, lender_reported), Wisconsin (WI, lender_reported), West Virginia (WV, lender_reported) - 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 - Profile: unclaimed - Status: active ## Specialties ## About Kirk has been with Embrace for 39 years, serving as Team Leader and Vice President overseeing 12 loan officers. He has earned President's Award, Top Sales Leader, and made the All Star Team nine times. Source: LenDb summary of the lender page, verified 2026-10-09. ## Facts from the lender page and intro - years_experience: 39. Source: https://www.embracehomeloans.com/location/rhode-island/financial-institutions-group/kirk-hutchings, verified 2026-10-09. - role: Team Leader and Vice President overseeing a team of 12 Loan Officers. Source: https://www.embracehomeloans.com/location/rhode-island/financial-institutions-group/kirk-hutchings, verified 2026-10-09. - education: Bachelor of Arts in History and minor in Political Science from University of New Hampshire. Source: https://www.embracehomeloans.com/location/rhode-island/financial-institutions-group/kirk-hutchings, verified 2026-10-09. - credential: President's Award, Top Sales Leader, Top Coach; All Star Team member nine times. Source: https://www.embracehomeloans.com/location/rhode-island/financial-institutions-group/kirk-hutchings, verified 2026-10-09. ## Licenses | State | Type | Number | Status | Confidence | Issued | Source | Verified | |---|---|---|---|---|---|---|---| | FL | state_license | LO2884 | active | confirmed | 2011-02-24 | state_regulator | 2026-10-09 | | CO | state_license | 100536567 | active | confirmed | 2023-05-09 | state_regulator | 2026-10-10 | | PA | state_license | 22082 | active | confirmed | | state_regulator | 2026-10-10 | | AL | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | AR | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | AZ | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | CA | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | CT | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | DE | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | GA | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | ID | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | IL | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | IN | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | KY | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | LA | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | MA | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | MD | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | ME | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | MI | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | MN | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | MT | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | NC | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | NH | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | NJ | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | NY | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | OH | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | OK | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | OR | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | RI | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | SC | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | TN | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | TX | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | VA | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | WA | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | WI | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | WV | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | ## Employment history - ? to present: Embrace Home Loans (NMLS 2184), Middletown, RI. Source: https://www.embracehomeloans.com/location/rhode-island/financial-institutions-group/kirk-hutchings, verified 2026-10-09. ## Disciplinary history Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/7593 ## Contact - View profile at Embrace Home Loans: https://www.embracehomeloans.com/location/rhode-island/financial-institutions-group/kirk-hutchings - Office phone and Email on file: shown at https://lendb.ai/lo/kirk-hutchings-7593#contact after a quick human check (not available in this file, the API or MCP). ## Sources - nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/7593 - state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip - state_regulator: https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=315840&contact=534542 - state_regulator: https://data.pa.gov/d/tyxc-jyug - lender_site: https://www.embracehomeloans.com/location/rhode-island/financial-institutions-group/kirk-hutchings Cite as: Kirk Hutchings (NMLS 7593), Embrace Home Loans. LenDb.ai, https://lendb.ai/lo/kirk-hutchings-7593, last verified 2026-10-09. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._