---
canonical_url: https://lendb.ai/lo/nicholas-joutz-9220
json_url: https://lendb.ai/lo/nicholas-joutz-9220.json
nmls_id: 9220
last_verified: 2026-10-31
---

# Nicholas Joutz

Loan officer at Watermark Capital, Inc.. NMLS ID 9220 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/9220)).

Nicholas Joutz (NMLS 9220) is a mortgage loan officer at Watermark Capital, Inc., licensed in Nevada since 2012 and in Connecticut, California and Maryland. Nicholas works at an FHA-approved lender, per HUD.

**Summary:** Nicholas Joutz (NMLS 9220) is a loan officer at Watermark Capital, Inc.. Licensed in 4 states confirmed with state regulators: Connecticut, California, Maryland and Nevada. Earliest state license record: January 9, 2012 (Nevada), per state regulator. Last verified 2026-10-31.

## Quick answers

### Is Nicholas licensed in Connecticut?

Yes. Connecticut regulator records list license LO-9220 as active (verified 2026-10-15). LenDb has 3 other states on file for Nicholas. Source: https://portal.ct.gov/dob/consumer-credit-licenses/consumer-credit-licenses/mortgage-loan-originators-licensed-in-connecticut.

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

Watermark Capital, Inc., company NMLS 1838, per the lender's own site (verified 2026-10-15). Works at an FHA-approved lender, per HUD (HUD FHA data, loans endorsed through Aug 2026). Source: https://portal.ct.gov/dob/consumer-credit-licenses/consumer-credit-licenses/mortgage-loan-originators-licensed-in-connecticut.

### How long has Nicholas been licensed?

The earliest state license record LenDb holds for Nicholas is from January 9, 2012 (Nevada regulator). That is a record date from the rosters we hold, not proof of continuous licensure. Source: https://mld.nv.gov/.

## At a glance

- Earliest state license record: January 9, 2012 (Nevada), 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): Nicholas L. Joutz (CA, CT, MD, NV, NY, as of 2026-10-28)
- Licensed in: Connecticut (CT, confirmed), California (CA DFPI, confirmed), Maryland (MD, confirmed), Nevada (NV, 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 |
|---|---|---|---|---|---|---|---|---|
| NY | New York regulator | state_license | n/a | inactive | confirmed |  | state_regulator | 2026-10-14 |
| CT | Connecticut regulator | state_license | LO-9220 | active | confirmed |  | state_regulator | 2026-10-15 |
| CA | California Department of Financial Protection and Innovation | state_license | CA-DBO9220 | active | confirmed | 2013-12-04 | state_regulator | 2026-10-24 |
| MD | Maryland regulator | state_license | n/a | active | confirmed |  | state_regulator | 2026-10-26 |
| NV | Nevada regulator | state_license | NMLO-1198058 | active | confirmed | 2012-01-09 | state_regulator | 2026-10-31 |

## Employment history

- ? to present: Watermark Capital, Inc. (NMLS 1838). Source: https://portal.ct.gov/dob/consumer-credit-licenses/consumer-credit-licenses/mortgage-loan-originators-licensed-in-connecticut, verified 2026-10-15.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/9220

## Contact


## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/9220
- state_regulator: https://www.dfs.ny.gov/
- state_regulator: https://portal.ct.gov/dob/consumer-credit-licenses/consumer-credit-licenses/mortgage-loan-originators-licensed-in-connecticut
- state_regulator: https://dfpi.ca.gov/
- state_regulator: https://www.labor.maryland.gov/finance/
- state_regulator: https://mld.nv.gov/
- HUD (FHA data): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot

Cite as: Nicholas Joutz (NMLS 9220), Watermark Capital, Inc.. LenDb.ai, https://lendb.ai/lo/nicholas-joutz-9220, last verified 2026-10-31.

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