Kristen Kirchner

Watermark Capital, Inc.

NMLS ID 319726 (opens in a new tab) · verify at NMLS Consumer Access

Kristen Kirchner (NMLS 319726) is a mortgage loan officer at Watermark Capital, Inc., licensed in California since 2011. Kristen works at an FHA-approved lender, per HUD.

Last verified . Sources: Watermark Capital, Inc. (dfpi.ca.gov), California state regulator and NMLS Consumer Access (license status, check live).

Quick answers

Is Kristen licensed in California?
Yes. California regulator records list license CA-DOC319726 as active, first effective December 27, 2011 (verified 2026-10-24).
Source: California state regulator (opens in a new tab)
What lender does Kristen work for, and is it FHA-approved?
Watermark Capital, Inc., company NMLS 1838, per the lender's own site (verified 2026-10-23). Works at an FHA-approved lender, per HUD (HUD FHA data, loans endorsed through Aug 2026).
Source: lender site; HUD (opens in a new tab)
How long has Kristen been licensed?
The earliest state license record LenDb holds for Kristen is from December 27, 2011 (California regulator). That is a record date from the rosters we hold, not proof of continuous licensure.
Source: California 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

    ✓ Confirmed with the state regulator: CA DFPI (opens in a new tab) (CA-DOC319726, first effective 2011-12-27), verified 2026-10-24.

    Contact

    No public business contact on file.

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    Employment history

    1. Watermark Capital, Inc. NMLS 1838

      Current · seen on lender site 2026-10-23

    Disciplinary history

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

    Sources

    Name and employerstate regulator · dfpi.ca.gov (opens in a new tab)verified 2026-10-23
    Licenses (regulator)state regulator · dfpi.ca.gov (opens in a new tab)verified 2026-10-24
    License statusNMLS Consumer Access (opens in a new tab)check live

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

    Cite as: Kristen Kirchner (NMLS 319726), Watermark Capital, Inc.. LenDb.ai, https://lendb.ai/lo/kristen-kirchner-319726, last verified 2026-10-24.

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