Winston Penalosa

E Mortgage Capital, Inc.

NMLS ID 1048323 (opens in a new tab) · verify at NMLS Consumer Access

Winston Penalosa (NMLS 1048323) is a mortgage loan officer at E Mortgage Capital, Inc., licensed in Colorado since 2016 and in Florida, Texas, California and 10 more states.

Last verified . Sources: E Mortgage Capital, Inc. (sml.texas.gov), Florida state regulator, Texas state regulator, California state regulator, Connecticut state regulator, Louisiana state regulator, Delaware state regulator, Colorado state regulator, Pennsylvania state regulator, Missouri state regulator, Arkansas state regulator, Iowa state regulator, Oregon state regulator, Wisconsin state regulator, Wyoming state regulator and NMLS Consumer Access (license status, check live).

Quick answers

Is Winston licensed in Florida?
Yes. Florida regulator records list license LO69854 as active, first effective May 5, 2020 (verified 2026-10-15). LenDb has 13 other states on file for Winston.
Source: Florida state regulator (opens in a new tab)
What lender does Winston 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 Winston been licensed?
The earliest state license record LenDb holds for Winston is from April 7, 2016 (Colorado regulator). That is a record date from the rosters we hold, not proof of continuous licensure.
Source: Colorado 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, Connecticut, Louisiana, Delaware, Colorado, Pennsylvania, Missouri, Arkansas, Iowa, Oregon, Wisconsin, Wyoming

    ✓ Confirmed with the state regulator: FL (opens in a new tab) (LO69854, first effective 2020-05-05), TX (opens in a new tab), CA DRE (opens in a new tab) (02115460), CT (opens in a new tab) (LO-1048323), LA (opens in a new tab), DE (opens in a new tab), CO (opens in a new tab) (100501914, first effective 2016-04-07), PA (opens in a new tab) (97511), MO (opens in a new tab), AR (opens in a new tab), IA (opens in a new tab) (55671, first effective 2025-11-12), OR (opens in a new tab) (1048323, first effective 2020-03-24), WI (opens in a new tab) (1048323, first effective 2025-12-04), WY (opens in a new tab) (102426, first effective 2021-05-13), verified 2026-10-15. Source: State of Missouri (see disclaimer).

    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 · wyomingbankingdivision.wyo.gov (opens in a new tab)verified 2026-10-27
    License statusNMLS Consumer Access (opens in a new tab)check live

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

    Cite as: Winston Penalosa (NMLS 1048323), E Mortgage Capital, Inc.. LenDb.ai, https://lendb.ai/lo/winston-penalosa-1048323, last verified 2026-10-30.

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