Marlene Ruiz

E Mortgage Capital, Inc.

NMLS ID 1784553 (opens in a new tab) · verify at NMLS Consumer Access

Marlene Ruiz (NMLS 1784553) is a mortgage loan officer at E Mortgage Capital, Inc., licensed in California since 2023 and in Florida, Texas and Illinois.

Last verified . Sources: E Mortgage Capital, Inc. (sml.texas.gov), Florida state regulator, Texas state regulator, California state regulator, Illinois state regulator and NMLS Consumer Access (license status, check live).

Quick answers

Is Marlene licensed in Florida?
Yes. Florida regulator records list license LO144853 as active, first effective February 9, 2026 (verified 2026-10-15). LenDb has 3 other states on file for Marlene.
Source: Florida state regulator (opens in a new tab)
What lender does Marlene work for?
E Mortgage Capital, Inc., company NMLS 1416824, per the lender's own site (verified 2026-10-13).
Source: lender site (opens in a new tab)
How long has Marlene been licensed?
The earliest state license record LenDb holds for Marlene is from August 23, 2023 (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

    Florida, Texas, California, Illinois

    ✓ Confirmed with the state regulator: FL (opens in a new tab) (LO144853, first effective 2026-02-09), TX (opens in a new tab), CA DFPI (opens in a new tab) (CA-DFPI1784553, first effective 2023-08-23), IL (opens in a new tab) (31.0090031, first effective 2025-05-13), verified 2026-10-15.

    Contact

    No public business contact on file.

    We never see who you contact.

    Employment history

    1. E Mortgage Capital, Inc. NMLS 1416824

      Current · seen on lender site 2026-10-13

    Disciplinary history

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

    Sources

    Name and employerstate regulator · sml.texas.gov (opens in a new tab)verified 2026-10-13
    Licenses (regulator)state regulator · idfpr.illinois.gov (opens in a new tab)verified 2026-10-28
    License statusNMLS Consumer Access (opens in a new tab)check live

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

    Cite as: Marlene Ruiz (NMLS 1784553), E Mortgage Capital, Inc.. LenDb.ai, https://lendb.ai/lo/marlene-ruiz-1784553, last verified 2026-10-28.

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