Licensing and consumer information

Mortgage licensing you can verify.

Victor Emmel is a licensed mortgage loan officer and Prinipal Lending Manager for Utah operating under Coast2Coast Mortgage. Consumers can independently verify both individual and company licensing through NMLS Consumer Access.

NMLS #133605 Victor Emmel
NMLS #376205 Coast2Coast Mortgage, LLC
Six states UT · CA · ID · OR · WA · TX
Equal Housing Opportunity Fair and responsible access to mortgage financing

Individual and company licensing

Who provides your mortgage services?

Victor provides mortgage guidance and loan-origination services as a licensed mortgage loan officer sponsored by Coast2Coast Mortgage, LLC.

Sponsoring mortgage company

Coast2Coast Mortgage, LLC

NMLS #376205

125 B King Street

St. Augustine, Florida 32084

Verify Company NMLS Record

States where Victor is licensed

Residential mortgage guidance across six states.

Licensing and product availability vary by state. Confirm the current license status and applicable state identifiers through NMLS Consumer Access before relying on this summary.

UT

Utah

Utah Principal Lending Manager
Utah Division of Real Estate
License #5492553

CA

California

California Department of Financial Protection and Innovation. Company license: 60DBO-139024.

ID

Idaho

Residential mortgage origination subject to Idaho Department of Finance licensing and sponsorship requirements.

OR

Oregon

Residential mortgage origination subject to Oregon Division of Financial Regulation licensing and sponsorship requirements.

WA

Washington

Residential mortgage origination subject to Washington State Department of Financial Institutions requirements.

TX

Texas

Residential mortgage origination subject to Texas Department of Savings and Mortgage Lending requirements.

Independent verification

Check the official NMLS record.

NMLS Consumer Access provides current public information about mortgage companies and individual mortgage professionals, including licensing, sponsorship and regulatory actions.

01 Search for Victor Emmel or individual NMLS #133605.
02 Search for Coast2Coast Mortgage, LLC or company NMLS #376205.
03 Review the current licenses for the state where the property is located.
Open NMLS Consumer Access

Important consumer disclosures

Licensing does not guarantee loan approval.

Mortgage qualification depends on the borrower, property, loan program, documentation, underwriting and current product availability.

General mortgage disclosure

Information on FHA Loan Utah is provided for general educational purposes. It is not a loan approval, commitment to lend, Loan Estimate, rate lock or guarantee of available terms.

All loan programs are subject to borrower and property qualification, credit approval, underwriting, program availability and applicable lender requirements.

FHA and government affiliation

FHA Loan Utah is not a government agency and is not affiliated with, endorsed by or acting on behalf of the U.S. Department of Housing and Urban Development or the Federal Housing Administration.

FHA does not lend money directly to borrowers. FHA insures eligible mortgages originated by approved lenders.

Texas consumer complaint and recovery fund notice

Consumers wishing to file a complaint against a mortgage banker or a licensed mortgage banker residential mortgage loan originator should complete and send a complaint form to the Texas Department of Savings and Mortgage Lending, 2601 North Lamar, Suite 201, Austin, Texas 78705.

Complaint forms and instructions may be obtained from the department’s website at www.sml.texas.gov . A toll-free consumer hotline is available at 1-877-276-5550.

The department maintains a recovery fund to make payments of certain actual out-of-pocket damages sustained by borrowers caused by acts of licensed mortgage banker residential mortgage loan originators. A written application for reimbursement from the recovery fund must be filed with and investigated by the department before payment of a claim. For more information about the recovery fund, consult the department’s website.

Licensing information should be confirmed through NMLS Consumer Access. Page reviewed August 30, 2026.