---
canonical_url: https://lendb.ai/lo/martin-franco-330814
json_url: https://lendb.ai/lo/martin-franco-330814.json
nmls_id: 330814
last_verified: 2026-10-27
---

# Martin Franco

Loan officer at Watermark Capital, Inc.. NMLS ID 330814 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/330814)).

Martin Franco (NMLS 330814) is a mortgage loan officer at Watermark Capital, Inc., licensed in Oregon since 2017 and in Florida, Texas, Connecticut and 3 more states. Martin works at an FHA-approved lender, per HUD.

**Summary:** Martin Franco (NMLS 330814) is a loan officer at Watermark Capital, Inc.. Licensed in 7 states confirmed with state regulators: Florida, Texas, Connecticut, Oregon, Wisconsin, Massachusetts and Wyoming. Earliest state license record: February 28, 2017 (Oregon), per state regulator. Last verified 2026-10-27.

## Quick answers

### Is Martin licensed in Florida?

Yes. Florida regulator records list license LO122567 as active, first effective August 25, 2023 (verified 2026-10-15). LenDb has 6 other states on file for Martin. Source: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip.

### What lender does Martin work for, and is it FHA-approved?

Watermark Capital, Inc., company NMLS 1838, per the lender's own site (verified 2026-10-20). Works at an FHA-approved lender, per HUD (HUD FHA data, loans endorsed through Aug 2026). Source: https://dfr.oregon.gov/.

### How long has Martin been licensed?

The earliest state license record LenDb holds for Martin is from February 28, 2017 (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: February 28, 2017 (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): Martin C. Franco (CA, CT, FL, MA, NV, OR, TX, WY, as of 2026-10-28)
- Licensed in: Florida (FL, confirmed), Texas (TX, confirmed), Connecticut (CT, confirmed), Oregon (OR, confirmed), Wisconsin (WI, confirmed), Massachusetts (MA, confirmed), Wyoming (WY, confirmed)
- Works at an FHA-approved lender, per HUD (HUD FHA data, loans endorsed through Aug 2026): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot
- 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 | LO122567 | active | confirmed | 2023-08-25 | state_regulator | 2026-10-15 |
| TX | Texas regulator | state_license | n/a | active | confirmed | 2022-02-28 | state_regulator | 2026-10-13 |
| CT | Connecticut regulator | state_license | LO-330814 | active | confirmed |  | state_regulator | 2026-10-15 |
| OR | Oregon regulator | state_license | n/a | active | confirmed | 2017-02-28 | state_regulator | 2026-10-20 |
| WI | Wisconsin regulator | state_license | 330814 | active | confirmed | 2025-03-14 | state_regulator | 2026-10-21 |
| CA | California Department of Financial Protection and Innovation | state_license | CA-DBO330814 | inactive | confirmed | 2019-09-05 | state_regulator | 2026-10-24 |
| MA | Massachusetts regulator | state_license | MLO330814 | active | confirmed |  | state_regulator | 2026-10-26 |
| WY | Wyoming regulator | state_license | 108399 | active | confirmed | 2025-03-19 | state_regulator | 2026-10-27 |
| NV | Nevada regulator | state_license | NMLO-1192912 | inactive | confirmed | 2023-05-12 | state_regulator | 2026-10-31 |

## Employment history

- ? to present: Watermark Capital, Inc. (NMLS 1838). Source: https://dfr.oregon.gov/, verified 2026-10-20.
- ? to present: West Capital Lending, Inc. (NMLS 1566096). 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/330814

## Contact


## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/330814
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip
- state_regulator: https://www.sml.texas.gov/
- state_regulator: https://portal.ct.gov/dob/consumer-credit-licenses/consumer-credit-licenses/mortgage-loan-originators-licensed-in-connecticut
- state_regulator: https://dfr.oregon.gov/
- state_regulator: https://dfi.wi.gov/Pages/BusinessServices/MortgageBanking/
- state_regulator: https://dfpi.ca.gov/
- state_regulator: https://www.mass.gov/lists/download-a-list-of-approved-licensees
- state_regulator: https://wyomingbankingdivision.wyo.gov/
- state_regulator: https://mld.nv.gov/
- HUD (FHA data): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot

Cite as: Martin Franco (NMLS 330814), Watermark Capital, Inc.. LenDb.ai, https://lendb.ai/lo/martin-franco-330814, last verified 2026-10-27.

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