{ "canonical_url": "https://lendb.ai/lang/es/arizona", "summary": "As of 2026-10-26, LenDb lists 94 loan officers licensed in or based in Arizona whose lender pages say they speak Spanish. The top-ranked are Silvia Estrada (Guild Mortgage, Chandler), Vernon Loree (Guild Mortgage, Tucson) and Steven Lines (Lender Express Mortgage LLC, Mesa). Ranking is lender-neutral: a license in AZ, branch location, experience and profile completeness. Nobody pays for placement. Languages come only from loan officers' own lender pages, and most lender pages do not list languages. A loan officer missing from this list may still speak it: not listed means not stated, not that they do not speak it.", "language": "es", "state": "AZ", "total": 94, "last_verified": "2026-10-26", "results": [ { "rank": 1, "score": 43.5, "loan_officer": { "nmls_id": 203538, "slug": "silvia-estrada-203538", "full_name": "Silvia Estrada", "canonical_url": "https://lendb.ai/lo/silvia-estrada-203538", "json_url": "https://lendb.ai/lo/silvia-estrada-203538.json", "lender": { "nmls_id": 3274, "name": "Guild Mortgage", "slug": "guild-mortgage-3274", "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274", "type": "imb" }, "branch": { "city": "Chandler", "state": "AZ" }, "headshot_url": "https://www.guildmortgage.com/lib/uploads/officers/profile-photos/silvia-estrada.jpg", "licensed_states": [ "AZ" ], "licenses": [ { "state": "AZ", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [ "en", "es" ], "specialties": [], "lender_offers": [ "down-payment-assistance", "fha", "first-time-buyer", "heloc", "investor", "itin", "jumbo", "low-credit", "manufactured", "new-construction", "physician", "renovation", "usda", "va", "vacation-home" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": null, "licensed_since": null, "years_experience": 20, "lender_profile_url": "https://branches.guildmortgage.com/az/chandler/silvia-estrada-424-evse.html", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Spanish (lender page, verified 2026-10-19)", "Office in Chandler, AZ", "AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "States 20 years of experience (lender page, 2026-10-19)" ], "canonical_url": "https://lendb.ai/lo/silvia-estrada-203538", "license_check": { "state": "AZ", "confidence": "lender_reported", "eligible": true, "label": "AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-19", "source_url": "https://branches.guildmortgage.com/az/chandler/silvia-estrada-424-evse.html" } }, { "rank": 2, "score": 43.5, "loan_officer": { "nmls_id": 344427, "slug": "vernon-celis-loree-jr-344427", "full_name": "Vernon Loree", "canonical_url": "https://lendb.ai/lo/vernon-celis-loree-jr-344427", "json_url": "https://lendb.ai/lo/vernon-celis-loree-jr-344427.json", "lender": { "nmls_id": 3274, "name": "Guild Mortgage", "slug": "guild-mortgage-3274", "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274", "type": "imb" }, "branch": { "city": "Tucson", "state": "AZ" }, "headshot_url": "https://www.guildmortgage.com/lib/uploads/officers/profile-photos/navl-vernon-loree.jpg", "licensed_states": [ "AZ" ], "licenses": [ { "state": "AZ", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [ "es" ], "specialties": [], "lender_offers": [ "down-payment-assistance", "fha", "first-time-buyer", "heloc", "investor", "itin", "jumbo", "low-credit", "manufactured", "new-construction", "physician", "renovation", "usda", "va", "vacation-home" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": null, "licensed_since": null, "years_experience": 20, "lender_profile_url": "https://branches.guildmortgage.com/az/tucson/vernon-loree-42-navl.html", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Spanish (lender page, verified 2026-10-19)", "Office in Tucson, AZ", "AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "States 20 years of experience (lender page, 2026-10-19)" ], "canonical_url": "https://lendb.ai/lo/vernon-celis-loree-jr-344427", "license_check": { "state": "AZ", "confidence": "lender_reported", "eligible": true, "label": "AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-19", "source_url": "https://branches.guildmortgage.com/az/tucson/vernon-loree-42-navl.html" } }, { "rank": 3, "score": 42.8, "loan_officer": { "nmls_id": 204035, "slug": "steven-lines-204035", "full_name": "Steven Lines", "licensed_names": [ { "name": "Steven Lines", "name_with_middle_initial": "Steven W. Lines", "first_name": "Steven", "middle_initial": "W", "last_name": "Lines", "states": [ "CO", "FL", "IA", "OR", "TX" ], "source": "state_regulator", "as_of": "2026-10-19" } ], "canonical_url": "https://lendb.ai/lo/steven-lines-204035", "json_url": "https://lendb.ai/lo/steven-lines-204035.json", "lender": { "nmls_id": 1963444, "name": "Lender Express Mortgage LLC", "slug": "lender-express-mortgage-llc-1963444", "canonical_url": "https://lendb.ai/lender/lender-express-mortgage-llc-1963444", "type": "other" }, "branch": { "city": "Mesa", "state": "AZ" }, "headshot_url": "https://lenderexpress.com/wp-content/uploads/2026/04/steve-lines-lender-express-mor-600x600-1.png", "licensed_states": [ "FL", "TX", "AZ", "CO", "OH", "OR" ], "licenses": [ { "state": "AZ", "confidence": "lender_reported" }, { "state": "CO", "confidence": "confirmed" }, { "state": "FL", "confidence": "confirmed" }, { "state": "OH", "confidence": "lender_reported" }, { "state": "OR", "confidence": "confirmed" }, { "state": "TX", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [ "en", "es" ], "specialties": [ { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "dscr", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "self-employed", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" } ], "lender_offers": [ "va" ], "years_licensed": null, "earliest_license_record": { "date": "2020-10-08", "state": "IA" }, "licensed_since": { "year": 2020, "state": "IA" }, "years_experience": 25, "lender_profile_url": "https://lenderexpress.com/loan-officer/steven-lines/", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Spanish (lender page, verified 2026-10-15)", "Office in Mesa, AZ", "AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: October 8, 2020 (Iowa), per state regulator", "States 25 years of experience (lender page, 2026-10-15)" ], "canonical_url": "https://lendb.ai/lo/steven-lines-204035", "license_check": { "state": "AZ", "confidence": "lender_reported", "eligible": true, "label": "AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-15", "source_url": "https://lenderexpress.com/loan-officer/steven-lines/" } }, { "rank": 4, "score": 42.8, "loan_officer": { "nmls_id": 1176984, "slug": "jose-perez-lopez-1176984", "full_name": "Jose A Perez", "licensed_names": [ { "name": "Jose Perez Lopez", "name_with_middle_initial": "Jose A. Perez Lopez", "first_name": "Jose", "middle_initial": "A", "last_name": "Perez Lopez", "states": [ "FL" ], "source": "state_regulator", "as_of": "2026-10-09" } ], "canonical_url": "https://lendb.ai/lo/jose-perez-lopez-1176984", "json_url": "https://lendb.ai/lo/jose-perez-lopez-1176984.json", "lender": { "nmls_id": 133739, "name": "Panorama Mortgage Group, LLC", "slug": "panorama-mortgage-group-llc-133739", "canonical_url": "https://lendb.ai/lender/panorama-mortgage-group-llc-133739", "type": "imb" }, "branch": { "city": "Phoenix", "state": "AZ" }, "headshot_url": "https://cdn.prod.website-files.com/643efd2c8341bea331c4cfc8/6a3038ab12b1eca6bc4b5b1c_Jose%20Perez.jpg", "licensed_states": [ "FL", "AZ" ], "licenses": [ { "state": "AZ", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [ "en", "es" ], "specialties": [ { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" } ], "lender_offers": [], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2024-12-10", "state": "FL" }, "licensed_since": { "year": 2024, "state": "FL" }, "years_experience": 20, "lender_profile_url": "https://www.simplypmg.net/loan-originators/jose-a-perez", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Spanish (lender page, verified 2026-10-15)", "Office in Phoenix, AZ", "AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: December 10, 2024 (Florida), per state regulator", "States 20 years of experience (lender page, 2026-10-15)" ], "canonical_url": "https://lendb.ai/lo/jose-perez-lopez-1176984", "license_check": { "state": "AZ", "confidence": "lender_reported", "eligible": true, "label": "AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-15", "source_url": "https://www.simplypmg.net/loan-originators/jose-a-perez" } }, { "rank": 5, "score": 41.8, "loan_officer": { "nmls_id": 413553, "slug": "frank-r-salazar-413553", "full_name": "Frank R Salazar", "canonical_url": "https://lendb.ai/lo/frank-r-salazar-413553", "json_url": "https://lendb.ai/lo/frank-r-salazar-413553.json", "lender": { "nmls_id": 399798, "name": "JPMorgan Chase Bank (Chase Home Lending)", "slug": "chase-399798", "canonical_url": "https://lendb.ai/lender/chase-399798", "type": "bank" }, "branch": { "city": "Phoenix", "state": "AZ" }, "headshot_url": "http://a.mktgcdn.com/p/NJd_F921Jv0o1kOdyupV79OaeoiXSR1H37TW1HguiQg/556x833.jpg", "licensed_states": [], "licenses": [], "federal_registration_likely": true, "languages": [ "es" ], "specialties": [ { "slug": "heloc", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" } ], "lender_offers": [], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": null, "licensed_since": null, "years_experience": 25, "lender_profile_url": "https://homelendingadvisor.chase.com/az/phoenix/5705-n-19th-ave-hla-413553", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Spanish (lender page, verified 2026-10-26)", "Office in Phoenix, AZ", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "States 25 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/frank-r-salazar-413553", "license_check": { "state": "AZ", "confidence": "federal_registration", "eligible": true, "label": "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "verified_at": "2026-10-26", "source_url": null } }, { "rank": 6, "score": 41, "loan_officer": { "nmls_id": 230289, "slug": "manny-nunez-230289", "full_name": "Manny Nunez", "canonical_url": "https://lendb.ai/lo/manny-nunez-230289", "json_url": "https://lendb.ai/lo/manny-nunez-230289.json", "lender": { "nmls_id": 419538, "name": "Bell Bank", "slug": "bell-bank-419538", "canonical_url": "https://lendb.ai/lender/bell-bank-419538", "type": "bank" }, "branch": { "city": "Goodyear", "state": "AZ" }, "headshot_url": "https://edge.sitecorecloud.io/bellbank1e14e-bellbankab0c-prod3ddb-d33b/media/project/bellbank/bellbankcorporate/mortgage/lender-sites/loan-officers/manny-nunez/manny-nunez-profile-image.png?h=108&iar=0&w=108", "licensed_states": [], "licenses": [], "federal_registration_likely": true, "languages": [ "es" ], "specialties": [ { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "usda", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "lender_offers": [], "years_licensed": null, "earliest_license_record": null, "licensed_since": null, "years_experience": 20, "lender_profile_url": "https://bell.bank/mortgage/loan-officer/mannyshomeloans", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Spanish (lender page, verified 2026-10-16)", "Office in Goodyear, AZ", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "States 20 years of experience (lender page, 2026-10-16)" ], "canonical_url": "https://lendb.ai/lo/manny-nunez-230289", "license_check": { "state": "AZ", "confidence": "federal_registration", "eligible": true, "label": "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "verified_at": "2026-10-16", "source_url": null } }, { "rank": 7, "score": 37.8, "loan_officer": { "nmls_id": 230053, "slug": "luz-mady-230053", "full_name": "Luz Mady", "canonical_url": "https://lendb.ai/lo/luz-mady-230053", "json_url": "https://lendb.ai/lo/luz-mady-230053.json", "lender": { "nmls_id": 6274, "name": "Moria Development, Inc.", "slug": "moria-development-inc-6274", "canonical_url": "https://lendb.ai/lender/moria-development-inc-6274", "type": "imb" }, "branch": { "city": "Tempe", "state": "AZ" }, "headshot_url": "https://cdn.prod.website-files.com/61f95605b3f959013ce8a0cb/680abfa3e674d5c175c9ff44_649da8813ac10a2c4d47237b_Luz%2520Mady.png", "licensed_states": [ "AZ" ], "licenses": [ { "state": "AZ", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [ "es" ], "specialties": [], "lender_offers": [], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": null, "licensed_since": null, "years_experience": 10, "lender_profile_url": "https://www.peoplesmortgage.com/loanofficer/luz-mady", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Spanish (lender page, verified 2026-10-21)", "Office in Tempe, AZ", "AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "States 10 years of experience (lender page, 2026-10-21)" ], "canonical_url": "https://lendb.ai/lo/luz-mady-230053", "license_check": { "state": "AZ", "confidence": "lender_reported", "eligible": true, "label": "AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-21", "source_url": "https://www.peoplesmortgage.com/loanofficer/luz-mady" } }, { "rank": 8, "score": 35.3, "loan_officer": { "nmls_id": 2047199, "slug": "dylan-santos-mba-2047199", "full_name": "Dylan Santos, MBA", "licensed_names": [ { "name": "Dylan Santos", "name_with_middle_initial": "Dylan A. Santos", "first_name": "Dylan", "middle_initial": "A", "last_name": "Santos", "states": [ "IA" ], "source": "state_regulator", "as_of": "2026-10-19" } ], "canonical_url": "https://lendb.ai/lo/dylan-santos-mba-2047199", "json_url": "https://lendb.ai/lo/dylan-santos-mba-2047199.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "slug": "crosscountry-mortgage-3029", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Scottsdale", "state": "AZ" }, "headshot_url": "https://thevault.ccm.com/m/34b98e44ea2cbef5/Website-4661_Santos_.jpg", "licensed_states": [ "AZ" ], "licenses": [ { "state": "AZ", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [ "en", "es" ], "specialties": [], "lender_offers": [ "condo", "condo-non-warrantable", "construction", "down-payment-assistance", "dscr", "fha", "first-time-buyer", "heloc", "investor", "jumbo", "non-qm", "physician", "refinance", "renovation", "reverse", "rural", "self-employed", "usda", "va" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2022-04-13", "state": "IA" }, "licensed_since": { "year": 2022, "state": "IA" }, "years_experience": null, "lender_profile_url": "https://crosscountrymortgage.com/scottsdale-az-4661/dylan-santos/", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Spanish (lender page, verified 2026-10-22)", "Office in Scottsdale, AZ", "AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: April 13, 2022 (Iowa), per state regulator" ], "canonical_url": "https://lendb.ai/lo/dylan-santos-mba-2047199", "license_check": { "state": "AZ", "confidence": "lender_reported", "eligible": true, "label": "AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-22", "source_url": "https://crosscountrymortgage.com/scottsdale-az-4661/dylan-santos/" } }, { "rank": 9, "score": 35, "loan_officer": { "nmls_id": 1021273, "slug": "lunna-velasco-1021273", "full_name": "Lunna Velasco", "canonical_url": "https://lendb.ai/lo/lunna-velasco-1021273", "json_url": "https://lendb.ai/lo/lunna-velasco-1021273.json", "lender": { "nmls_id": 399798, "name": "JPMorgan Chase Bank (Chase Home Lending)", "slug": "chase-399798", "canonical_url": "https://lendb.ai/lender/chase-399798", "type": "bank" }, "branch": { "city": "Nogales", "state": "AZ" }, "headshot_url": "http://a.mktgcdn.com/p/mPvpXMR3wIkzG3DtDpXTWHYyH7K4Ca0l4ycpgtolca0/731x1095.jpg", "licensed_states": [], "licenses": [], "federal_registration_likely": true, "languages": [ "es" ], "specialties": [ { "slug": "heloc", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "self-employed", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "lender_offers": [], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": null, "licensed_since": null, "years_experience": 8, "lender_profile_url": "https://homelendingadvisor.chase.com/az/nogales/420-w-mariposa-rd-hla-1021273", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Spanish (lender page, verified 2026-10-19)", "Office in Nogales, AZ", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "States 8 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/lunna-velasco-1021273", "license_check": { "state": "AZ", "confidence": "federal_registration", "eligible": true, "label": "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "verified_at": "2026-10-19", "source_url": null } }, { "rank": 10, "score": 35, "loan_officer": { "nmls_id": 1783236, "slug": "robert-rodriguez-1783236", "full_name": "Robert Rodriguez", "licensed_names": [ { "name": "Robert Rodriguez", "name_with_middle_initial": "Robert I. Rodriguez", "first_name": "Robert", "middle_initial": "I", "last_name": "Rodriguez", "states": [ "CA", "FL", "NY" ], "source": "state_regulator", "as_of": "2026-10-22" } ], "canonical_url": "https://lendb.ai/lo/robert-rodriguez-1783236", "json_url": "https://lendb.ai/lo/robert-rodriguez-1783236.json", "lender": { "nmls_id": 399798, "name": "JPMorgan Chase Bank (Chase Home Lending)", "slug": "chase-399798", "canonical_url": "https://lendb.ai/lender/chase-399798", "type": "bank" }, "branch": { "city": "Phoenix", "state": "AZ" }, "headshot_url": "http://a.mktgcdn.com/p/DamLl3a7u1twKv9HsOtIPviBXpvzH7IWWNg80hR5B9U/543x813.jpg", "licensed_states": [ "FL" ], "licenses": [ { "state": "FL", "confidence": "confirmed" } ], "federal_registration_likely": true, "languages": [ "es" ], "specialties": [ { "slug": "self-employed", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "lender_offers": [], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2018-10-23", "state": "CA" }, "licensed_since": { "year": 2018, "state": "CA" }, "years_experience": null, "lender_profile_url": "https://homelendingadvisor.chase.com/az/phoenix/2827-n-44th-st-hla-1783236", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Spanish (lender page, verified 2026-10-26)", "Office in Phoenix, AZ", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "Earliest state license record: October 23, 2018 (California), per state regulator" ], "canonical_url": "https://lendb.ai/lo/robert-rodriguez-1783236", "license_check": { "state": "AZ", "confidence": "federal_registration", "eligible": true, "label": "Likely federally registered (works at a bank). 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Federally registered MLOs aren't state-licensed; verify at NMLS", "States 6 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/omar-villa-669016", "license_check": { "state": "AZ", "confidence": "federal_registration", "eligible": true, "label": "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "verified_at": "2026-10-19", "source_url": null } }, { "rank": 13, "score": 33.5, "loan_officer": { "nmls_id": 204747, "slug": "jacqueline-martinez-204747", "full_name": "Jacqueline Martinez", "canonical_url": "https://lendb.ai/lo/jacqueline-martinez-204747", "json_url": "https://lendb.ai/lo/jacqueline-martinez-204747.json", "lender": { "nmls_id": 93718, "name": "Homeowners Financial Group", "slug": "homeowners-financial-group-93718", "canonical_url": "https://lendb.ai/lender/homeowners-financial-group-93718", "type": "imb" }, "branch": { "city": "Scottsdale", "state": "AZ" }, "headshot_url": "https://homeownersfg.com/wp-content/uploads/Jacqeline-Martinez.jpg", "licensed_states": [ "AZ" ], "licenses": [ { "state": "AZ", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [ "es" ], "specialties": [], "lender_offers": [ "asset-based", "bank-statement", "condo", "condo-non-warrantable", "condotel", "down-payment-assistance", "dscr", "fha", "investor", "jumbo", "physician", "self-employed", "usda", "va" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": null, "licensed_since": null, "years_experience": null, "lender_profile_url": "https://homeownersfg.com/jacquelinemartinez/", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Spanish (lender page, verified 2026-10-20)", "Office in Scottsdale, AZ", "AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)" ], "canonical_url": "https://lendb.ai/lo/jacqueline-martinez-204747", "license_check": { "state": "AZ", "confidence": "lender_reported", "eligible": true, "label": "AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-20", "source_url": "https://homeownersfg.com/jacquelinemartinez/" } }, { "rank": 14, "score": 33.5, "loan_officer": { "nmls_id": 221930, "slug": "diane-reyes-221930", "full_name": "Diane Reyes", "canonical_url": "https://lendb.ai/lo/diane-reyes-221930", "json_url": "https://lendb.ai/lo/diane-reyes-221930.json", "lender": { "nmls_id": 3274, "name": "Guild Mortgage", "slug": "guild-mortgage-3274", "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274", "type": "imb" }, "branch": { "city": "Aurora", "state": "IL" }, "headshot_url": "https://www.guildmortgage.com/lib/uploads/officers/profile-photos/ctdre-diane-reyes.jpg", "licensed_states": [ "AZ", "IL" ], "licenses": [ { "state": "AZ", "confidence": "lender_reported" }, { "state": "IL", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [ "es" ], "specialties": [], "lender_offers": [ "down-payment-assistance", "fha", "first-time-buyer", "heloc", "investor", "itin", "jumbo", "low-credit", "manufactured", "new-construction", "physician", "renovation", "usda", "va", "vacation-home" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2005-06-07", "state": "IL" }, "licensed_since": { "year": 2005, "state": "IL" }, "years_experience": 30, "lender_profile_url": "https://branches.guildmortgage.com/il/aurora/diane-reyes-119-ctdre.html", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Spanish (lender page, verified 2026-10-19)", "AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: June 7, 2005 (Illinois), per state regulator", "States 30 years of experience (lender page, 2026-10-19)" ], "canonical_url": "https://lendb.ai/lo/diane-reyes-221930", "license_check": { "state": "AZ", "confidence": "lender_reported", "eligible": true, "label": "AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-19", "source_url": "https://branches.guildmortgage.com/il/aurora/diane-reyes-119-ctdre.html" } }, { "rank": 15, "score": 33.3, "loan_officer": { "nmls_id": 1398321, "slug": "christina-mccollum-1398321", "full_name": "Christina McCollum", "licensed_names": [ { "name": "Christina McCollum", "name_with_middle_initial": "Christina R. 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verify at NMLS)", "Earliest state license record: September 24, 2026 (Texas), per state regulator" ], "canonical_url": "https://lendb.ai/lo/beatriz-villalobos-2175864", "license_check": { "state": "AZ", "confidence": "lender_reported", "eligible": true, "label": "AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-21", "source_url": "https://crosscountrymortgage.com/sierra-vista-az-4659/beattriz-villalobos/" } }, { "rank": 17, "score": 32.8, "loan_officer": { "nmls_id": 1869557, "slug": "ernesto-silva-1869557", "full_name": "Ernesto Silva", "canonical_url": "https://lendb.ai/lo/ernesto-silva-1869557", "json_url": "https://lendb.ai/lo/ernesto-silva-1869557.json", "lender": { "nmls_id": 1963444, "name": "Lender Express Mortgage LLC", "slug": "lender-express-mortgage-llc-1963444", "canonical_url": "https://lendb.ai/lender/lender-express-mortgage-llc-1963444", "type": "other" }, "branch": { "city": "Glendale", "state": "AZ" }, "headshot_url": "https://lenderexpress.com/wp-content/uploads/2026/04/Ernesto-Silva.webp", "licensed_states": [ "AZ" ], "licenses": [ { "state": "AZ", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [ "en", "es" ], "specialties": [ { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" } ], "lender_offers": [ "va" ], "years_licensed": null, "earliest_license_record": null, "licensed_since": null, "years_experience": null, "lender_profile_url": "https://lenderexpress.com/loan-officer/ernesto-silva/", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Spanish (lender page, verified 2026-10-15)", "Office in Glendale, AZ", "AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)" ], "canonical_url": "https://lendb.ai/lo/ernesto-silva-1869557", "license_check": { "state": "AZ", "confidence": "lender_reported", "eligible": true, "label": "AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-15", "source_url": "https://lenderexpress.com/loan-officer/ernesto-silva/" } }, { "rank": 18, "score": 32.5, "loan_officer": { "nmls_id": 758979, "slug": "joseph-mendivil-758979", "full_name": "Joe Mendivil", "licensed_names": [ { "name": "Joseph Mendivil", "name_with_middle_initial": "Joseph M. 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