--- canonical_url: https://lendb.ai/lo/winston-penalosa-1048323 json_url: https://lendb.ai/lo/winston-penalosa-1048323.json nmls_id: 1048323 last_verified: 2026-10-30 --- # Winston Penalosa Loan officer at E Mortgage Capital, Inc.. NMLS ID 1048323 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1048323)). 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. **Summary:** Winston Penalosa (NMLS 1048323) is a loan officer at E Mortgage Capital, Inc.. Licensed in 14 states confirmed with state regulators: Florida, Texas, California, Connecticut, Louisiana, Delaware, Colorado, Pennsylvania and 6 more. Earliest state license record: April 7, 2016 (Colorado), per state regulator. Last verified 2026-10-30. ## 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: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip. ### What lender does Winston work for? E Mortgage Capital, Inc., company NMLS 1416824, per the lender's own site (verified 2026-10-13). Source: https://www.sml.texas.gov/. ### 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: https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=174781&contact=387082. ## At a glance - Earliest state license record: April 7, 2016 (Colorado), 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): Winston S. Penalosa (AR, CA, CO, CT, DE, FL, IA, LA, MO, NV, OR, PA, TX, WY, as of 2026-10-30) - Licensed in: Florida (FL, confirmed), Texas (TX, confirmed), California (CA DRE, confirmed), Connecticut (CT, confirmed), Louisiana (LA, confirmed), Delaware (DE, confirmed), Colorado (CO, confirmed), Pennsylvania (PA, confirmed), Missouri (MO, confirmed), Arkansas (AR, confirmed), Iowa (IA, confirmed), Oregon (OR, confirmed), Wisconsin (WI, confirmed), Wyoming (WY, 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 | |---|---|---|---|---|---|---|---|---| | FL | Florida regulator | state_license | LO69854 | active | confirmed | 2020-05-05 | state_regulator | 2026-10-15 | | TX | Texas regulator | state_license | n/a | active | confirmed | 2020-09-11 | state_regulator | 2026-10-13 | | CA | California Department of Real Estate | state_license | 02115460 | active | confirmed | | state_regulator | 2026-10-24 | | CT | Connecticut regulator | state_license | LO-1048323 | active | confirmed | | state_regulator | 2026-10-15 | | LA | Louisiana regulator | state_license | n/a | active | confirmed | | state_regulator | 2026-10-15 | | DE | Delaware regulator | state_license | n/a | active | confirmed | | state_regulator | 2026-10-30 | | CO | Colorado regulator | state_license | 100501914 | active | confirmed | 2016-04-07 | state_regulator | 2026-10-16 | | PA | Pennsylvania regulator | state_license | 97511 | active | confirmed | | state_regulator | 2026-10-16 | | MO | Missouri regulator | state_license | n/a | active | confirmed | | state_regulator | 2026-10-19 | | AR | Arkansas regulator | state_license | n/a | active | confirmed | | state_regulator | 2026-10-20 | | IA | Iowa regulator | state_license | 55671 | active | confirmed | 2025-11-12 | state_regulator | 2026-10-20 | | OR | Oregon regulator | state_license | 1048323 | active | confirmed | 2020-03-24 | state_regulator | 2026-10-20 | | WI | Wisconsin regulator | state_license | 1048323 | active | confirmed | 2025-12-04 | state_regulator | 2026-10-21 | | WY | Wyoming regulator | state_license | 102426 | active | confirmed | 2021-05-13 | state_regulator | 2026-10-27 | | NV | Nevada regulator | state_license | NMLO-1187632 | inactive | confirmed | 2023-02-22 | state_regulator | 2026-10-31 | ## Employment history - ? to present: E Mortgage Capital, Inc. (NMLS 1416824). 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/1048323 ## Contact ## Sources - nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1048323 - state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip - state_regulator: https://www.sml.texas.gov/ - state_regulator: https://www.dre.ca.gov/Licensees/ExamineeLicenseeListDataFiles.html - state_regulator: https://portal.ct.gov/dob/consumer-credit-licenses/consumer-credit-licenses/mortgage-loan-originators-licensed-in-connecticut - state_regulator: https://ofi.la.gov/non-depository/residential-mortgage-lending/originators-by-lender/ - state_regulator: https://banking.delaware.gov/delaware-approved-mortgage-loan-originators/ - state_regulator: https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=174781&contact=387082 - state_regulator: https://data.pa.gov/d/tyxc-jyug - state_regulator: https://finance.mo.gov/banks-0/bank-licensee-search - state_regulator: https://securities.arkansas.gov/loans/nmls/ - state_regulator: https://idob.iowa.gov/ - state_regulator: https://dfr.oregon.gov/ - state_regulator: https://dfi.wi.gov/Pages/BusinessServices/MortgageBanking/ - state_regulator: https://wyomingbankingdivision.wyo.gov/ - state_regulator: https://mld.nv.gov/ Cite as: Winston Penalosa (NMLS 1048323), E Mortgage Capital, Inc.. LenDb.ai, https://lendb.ai/lo/winston-penalosa-1048323, last verified 2026-10-30. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._