---
canonical_url: https://lendb.ai/lo/melissa-rivero-1513258
json_url: https://lendb.ai/lo/melissa-rivero-1513258.json
nmls_id: 1513258
last_verified: 2026-10-28
---

# Melissa Rivero

Loan officer at E Mortgage Capital, Inc.. NMLS ID 1513258 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1513258)).

Melissa Rivero (NMLS 1513258) is a mortgage loan officer at E Mortgage Capital, Inc., licensed in Missouri, California, Wyoming and Illinois.

**Summary:** Melissa Rivero (NMLS 1513258) is a loan officer at E Mortgage Capital, Inc.. Licensed in 4 states confirmed with state regulators: Missouri, California, Wyoming and Illinois. Earliest state license record: November 9, 2016 (Wisconsin), per state regulator. Last verified 2026-10-28.

## Quick answers

### Is Melissa licensed in Missouri?

Yes. Missouri regulator records list a license as active (verified 2026-10-19). LenDb has 3 other states on file for Melissa. Source: https://finance.mo.gov/banks-0/bank-licensee-search.

### What lender does Melissa work for?

E Mortgage Capital, Inc., company NMLS 1416824, per the lender's own site (verified 2026-10-23). Source: https://dfpi.ca.gov/.

### How long has Melissa been licensed?

The earliest state license record LenDb holds for Melissa is from November 9, 2016 (Wisconsin regulator). That is a record date from the rosters we hold, not proof of continuous licensure. Source: https://dfi.wi.gov/Pages/BusinessServices/MortgageBanking/.

## At a glance

- Earliest state license record: November 9, 2016 (Wisconsin), 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): Melissa S. Rivero (CA, MO, WY, as of 2026-10-27)
- Licensed in: Missouri (MO, confirmed), California (CA DFPI, confirmed), Wyoming (WY, confirmed), Illinois (IL, 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 |
|---|---|---|---|---|---|---|---|---|
| MO | Missouri regulator | state_license | n/a | active | confirmed |  | state_regulator | 2026-10-19 |
| WI | Wisconsin regulator | state_license | 1513258 | expired | confirmed | 2016-11-09 | state_regulator | 2026-10-21 |
| CA | California Department of Financial Protection and Innovation | state_license | CA-DBO1513258 | active | confirmed | 2018-06-19 | state_regulator | 2026-10-24 |
| WY | Wyoming regulator | state_license | 110117 | active | confirmed | 2026-04-06 | state_regulator | 2026-10-27 |
| IL | Illinois regulator | state_license | 31.0094445 | active | confirmed | 2026-04-16 | state_regulator | 2026-10-28 |

## Employment history

- ? to present: E Mortgage Capital, Inc. (NMLS 1416824). Source: https://dfpi.ca.gov/, verified 2026-10-23.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1513258

## Contact


## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1513258
- state_regulator: https://finance.mo.gov/banks-0/bank-licensee-search
- state_regulator: https://dfi.wi.gov/Pages/BusinessServices/MortgageBanking/
- state_regulator: https://dfpi.ca.gov/
- state_regulator: https://wyomingbankingdivision.wyo.gov/
- state_regulator: https://idfpr.illinois.gov/banks/resfin.html

Cite as: Melissa Rivero (NMLS 1513258), E Mortgage Capital, Inc.. LenDb.ai, https://lendb.ai/lo/melissa-rivero-1513258, last verified 2026-10-28.

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