Ricardo Gonzalez

E Mortgage Capital, Inc.

NMLS ID 2362195 (opens in a new tab) · verify at NMLS Consumer Access

Ricardo Gonzalez (NMLS 2362195) is a mortgage loan officer at E Mortgage Capital, Inc., licensed in California since 2025 and in Florida and Texas.

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

Quick answers

Is Ricardo licensed in Florida?
Yes. Florida regulator records list license LO144778 as active, first effective February 5, 2026 (verified 2026-10-15). LenDb has 2 other states on file for Ricardo.
Source: Florida state regulator (opens in a new tab)
What lender does Ricardo 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 Ricardo been licensed?
The earliest state license record LenDb holds for Ricardo is from December 15, 2025 (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

    ✓ Confirmed with the state regulator: FL (opens in a new tab) (LO144778, first effective 2026-02-05), TX (opens in a new tab), CA DFPI (opens in a new tab) (CA-DFPI2362195, first effective 2025-12-15), 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 · dfpi.ca.gov (opens in a new tab)verified 2026-10-24
    License statusNMLS Consumer Access (opens in a new tab)check live

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

    Cite as: Ricardo Gonzalez (NMLS 2362195), E Mortgage Capital, Inc.. LenDb.ai, https://lendb.ai/lo/ricardo-gonzalez-2362195, last verified 2026-10-24.

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