---
canonical_url: https://lendb.ai/lo/mario-montecinos-489279
json_url: https://lendb.ai/lo/mario-montecinos-489279.json
nmls_id: 489279
last_verified: 2026-10-24
---

# Mario Montecinos

Loan officer at M&M Capital. NMLS ID 489279 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/489279)).

Mario Montecinos (NMLS 489279) is a mortgage loan officer at M&M Capital, licensed in Oregon since 2015 and in Florida, Texas and California.

**Summary:** Mario Montecinos (NMLS 489279) is a loan officer at M&M Capital. Licensed in 4 states confirmed with state regulators: Florida, Texas, California and Oregon. Earliest state license record: November 6, 2015 (Oregon), per state regulator. Last verified 2026-10-24.

## Quick answers

### Is Mario licensed in Florida?

Yes. Florida regulator records list license LO145610 as active, first effective March 5, 2026 (verified 2026-10-15). LenDb has 3 other states on file for Mario. Source: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip.

### What lender does Mario work for?

M&M Capital, company NMLS 1943450, per the lender's own site (verified 2026-10-15). Source: https://www.dre.ca.gov/Licensees/ExamineeLicenseeListDataFiles.html.

### How long has Mario been licensed?

The earliest state license record LenDb holds for Mario is from November 6, 2015 (Oregon regulator). That is a record date from the rosters we hold, not proof of continuous licensure. Source: https://dfr.oregon.gov/.

## At a glance

- Earliest state license record: November 6, 2015 (Oregon), 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): Mario A. Montecinos (CA, FL, OR, TX, as of 2026-10-15)
- Licensed in: Florida (FL, confirmed), Texas (TX, confirmed), California (CA DRE, confirmed), Oregon (OR, 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 |
|---|---|---|---|---|---|---|---|---|
| FL | Florida regulator | state_license | LO145610 | active | confirmed | 2026-03-05 | state_regulator | 2026-10-15 |
| TX | Texas regulator | state_license | n/a | active | confirmed | 2022-02-04 | state_regulator | 2026-10-13 |
| CA | California Department of Real Estate | state_license | 02032391 | active | confirmed |  | state_regulator | 2026-10-24 |
| OR | Oregon regulator | state_license | n/a | active | confirmed | 2015-11-06 | state_regulator | 2026-10-20 |

## Employment history

- ? to present: M&M Capital (NMLS 1943450). Source: https://www.dre.ca.gov/Licensees/ExamineeLicenseeListDataFiles.html, verified 2026-10-15.
- ? to present: E Mortgage Capital, Inc. (NMLS 1416824). Source: https://www.sml.texas.gov/, verified 2026-10-13.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/489279

## Contact


## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/489279
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip
- state_regulator: https://www.sml.texas.gov/
- state_regulator: https://www.dre.ca.gov/Licensees/ExamineeLicenseeListDataFiles.html
- state_regulator: https://dfr.oregon.gov/

Cite as: Mario Montecinos (NMLS 489279), M&M Capital. LenDb.ai, https://lendb.ai/lo/mario-montecinos-489279, last verified 2026-10-24.

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