{
  "canonical_url": "https://lendb.ai/lang/es/maryland",
  "summary": "As of 2026-10-26, LenDb lists 19 loan officers licensed in or based in Maryland whose lender pages say they speak Spanish. The top-ranked are Francoise Gonzales (CrossCountry Mortgage, Columbia), Jorge Posada (The Mortgage Link, Inc., Rockville) and Ricardo Cardenas (The Mortgage Link, Inc., Rockville). Ranking is lender-neutral: a license in MD, 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": "MD",
  "total": 19,
  "last_verified": "2026-10-26",
  "results": [
    {
      "rank": 1,
      "score": 47,
      "loan_officer": {
        "nmls_id": 314050,
        "slug": "francoise-gonzales-314050",
        "full_name": "Francoise Gonzales",
        "licensed_names": [
          {
            "name": "Francoise Gonzales",
            "name_with_middle_initial": "Francoise B. Gonzales",
            "first_name": "Francoise",
            "middle_initial": "B",
            "last_name": "Gonzales",
            "states": [
              "FL",
              "MD"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-26"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/francoise-gonzales-314050",
        "json_url": "https://lendb.ai/lo/francoise-gonzales-314050.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": "Columbia",
          "state": "MD"
        },
        "headshot_url": "https://thevault.ccm.com/asset/e8313c96-ba21-4392-ac66-5353c4c197a9/Website/2724_Gonzales_314050.jpg",
        "licensed_states": [
          "FL",
          "DC",
          "MD",
          "VA"
        ],
        "licenses": [
          {
            "state": "DC",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "MD",
            "confidence": "confirmed"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "es"
        ],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "refinance",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [
          "condo",
          "condo-non-warrantable",
          "construction",
          "dscr",
          "heloc",
          "investor",
          "jumbo",
          "non-qm",
          "physician",
          "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": "2025-03-06",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2025,
          "state": "FL"
        },
        "years_experience": 25,
        "lender_profile_url": "https://crosscountrymortgage.com/columbia-md-2724/francoise-gonzales/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-26)",
        "Office in Columbia, MD",
        "Licensed in MD: confirmed with the Maryland regulator, verified 2026-10-26",
        "Earliest state license record: March 6, 2025 (Florida), per state regulator",
        "States 25 years of experience (lender page, 2026-10-26)"
      ],
      "canonical_url": "https://lendb.ai/lo/francoise-gonzales-314050",
      "license_check": {
        "state": "MD",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in MD: confirmed with the Maryland regulator, verified 2026-10-26",
        "verified_at": "2026-10-26",
        "source_url": "https://www.labor.maryland.gov/finance/"
      }
    },
    {
      "rank": 2,
      "score": 46.3,
      "loan_officer": {
        "nmls_id": 206531,
        "slug": "jorge-posada-206531",
        "full_name": "Jorge Posada",
        "licensed_names": [
          {
            "name": "Jorge Posada",
            "name_with_middle_initial": "Jorge F. Posada",
            "first_name": "Jorge",
            "middle_initial": "F",
            "last_name": "Posada",
            "states": [
              "FL",
              "MD",
              "PA",
              "TX"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-26"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/jorge-posada-206531",
        "json_url": "https://lendb.ai/lo/jorge-posada-206531.json",
        "lender": {
          "nmls_id": 113054,
          "name": "The Mortgage Link, Inc.",
          "slug": "the-mortgage-link-inc-113054",
          "canonical_url": "https://lendb.ai/lender/the-mortgage-link-inc-113054",
          "type": "imb"
        },
        "branch": {
          "city": "Rockville",
          "state": "MD"
        },
        "headshot_url": "https://39552115.fs1.hubspotusercontent-na1.net/hubfs/39552115/Loan%20Officer%20Headshots/Jorge%20Posada.png",
        "licensed_states": [
          "FL",
          "TX",
          "PA",
          "DC",
          "MD",
          "NC",
          "TN",
          "VA",
          "WV"
        ],
        "licenses": [
          {
            "state": "DC",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "MD",
            "confidence": "confirmed"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "confirmed"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          },
          {
            "state": "WV",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "es"
        ],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2018-05-31",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2018,
          "state": "FL"
        },
        "years_experience": 21,
        "lender_profile_url": "https://www.themortgagelink.com/loan-officer/jorge-posada",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-15)",
        "Office in Rockville, MD",
        "Licensed in MD: confirmed with the Maryland regulator, verified 2026-10-26",
        "Earliest state license record: May 31, 2018 (Florida), per state regulator",
        "States 21 years of experience (lender page, 2026-10-15)"
      ],
      "canonical_url": "https://lendb.ai/lo/jorge-posada-206531",
      "license_check": {
        "state": "MD",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in MD: confirmed with the Maryland regulator, verified 2026-10-26",
        "verified_at": "2026-10-26",
        "source_url": "https://www.labor.maryland.gov/finance/"
      }
    },
    {
      "rank": 3,
      "score": 45,
      "loan_officer": {
        "nmls_id": 229611,
        "slug": "ricardo-cardenas-229611",
        "full_name": "Ricardo Cardenas",
        "licensed_names": [
          {
            "name": "Ricardo Cardenas Paiz",
            "name_with_middle_initial": "Ricardo E. Cardenas Paiz",
            "first_name": "Ricardo",
            "middle_initial": "E",
            "last_name": "Cardenas Paiz",
            "states": [
              "CA",
              "MD"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-26"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/ricardo-cardenas-229611",
        "json_url": "https://lendb.ai/lo/ricardo-cardenas-229611.json",
        "lender": {
          "nmls_id": 113054,
          "name": "The Mortgage Link, Inc.",
          "slug": "the-mortgage-link-inc-113054",
          "canonical_url": "https://lendb.ai/lender/the-mortgage-link-inc-113054",
          "type": "imb"
        },
        "branch": {
          "city": "Rockville",
          "state": "MD"
        },
        "headshot_url": null,
        "licensed_states": [
          "CA",
          "MD",
          "VA"
        ],
        "licenses": [
          {
            "state": "CA",
            "confidence": "confirmed"
          },
          {
            "state": "MD",
            "confidence": "confirmed"
          },
          {
            "state": "VA",
            "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": {
          "date": "2026-08-10",
          "state": "CA"
        },
        "licensed_since": {
          "year": 2026,
          "state": "CA"
        },
        "years_experience": 25,
        "lender_profile_url": "https://www.themortgagelink.com/loan-officer/ricardo-cardenas",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-15)",
        "Office in Rockville, MD",
        "Licensed in MD: confirmed with the Maryland regulator, verified 2026-10-26",
        "Earliest state license record: August 10, 2026 (California), per state regulator",
        "States 25 years of experience (lender page, 2026-10-15)"
      ],
      "canonical_url": "https://lendb.ai/lo/ricardo-cardenas-229611",
      "license_check": {
        "state": "MD",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in MD: confirmed with the Maryland regulator, verified 2026-10-26",
        "verified_at": "2026-10-26",
        "source_url": "https://www.labor.maryland.gov/finance/"
      }
    },
    {
      "rank": 4,
      "score": 38.5,
      "loan_officer": {
        "nmls_id": 2232934,
        "slug": "paul-barrios-2232934",
        "full_name": "Paul Barrios",
        "licensed_names": [
          {
            "name": "Paul Barrios",
            "name_with_middle_initial": "Paul I. Barrios",
            "first_name": "Paul",
            "middle_initial": "I",
            "last_name": "Barrios",
            "states": [
              "DE",
              "MD",
              "PA"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-26"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/paul-barrios-2232934",
        "json_url": "https://lendb.ai/lo/paul-barrios-2232934.json",
        "lender": {
          "nmls_id": 6666,
          "name": "Envoy Mortgage",
          "slug": "envoy-mortgage-6666",
          "canonical_url": "https://lendb.ai/lender/envoy-mortgage-6666",
          "type": "imb"
        },
        "branch": {
          "city": "Frederick",
          "state": "MD"
        },
        "headshot_url": "https://www.envoymortgage.com/wp-content/uploads/headshots/paul-barrios-1780410731.jpg",
        "licensed_states": [
          "PA",
          "DE",
          "MD",
          "VA"
        ],
        "licenses": [
          {
            "state": "DE",
            "confidence": "confirmed"
          },
          {
            "state": "MD",
            "confidence": "confirmed"
          },
          {
            "state": "PA",
            "confidence": "confirmed"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "es"
        ],
        "specialties": [],
        "lender_offers": [
          "construction",
          "down-payment-assistance",
          "dscr",
          "fha",
          "heloc",
          "investor",
          "itin",
          "jumbo",
          "low-credit",
          "mixed-use",
          "multi-family-2-4",
          "non-qm",
          "renovation",
          "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": 4,
        "lender_profile_url": "https://www.envoymortgage.com/paul-barrios/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-09)",
        "Office in Frederick, MD",
        "Licensed in MD: confirmed with the Maryland regulator, verified 2026-10-26",
        "States 4 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/paul-barrios-2232934",
      "license_check": {
        "state": "MD",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in MD: confirmed with the Maryland regulator, verified 2026-10-26",
        "verified_at": "2026-10-26",
        "source_url": "https://www.labor.maryland.gov/finance/"
      }
    },
    {
      "rank": 5,
      "score": 37.8,
      "loan_officer": {
        "nmls_id": 1153538,
        "slug": "ryan-waters-1153538",
        "full_name": "Alex Waters",
        "canonical_url": "https://lendb.ai/lo/ryan-waters-1153538",
        "json_url": "https://lendb.ai/lo/ryan-waters-1153538.json",
        "lender": {
          "nmls_id": 71603,
          "name": "First Home Mortgage",
          "slug": "first-home-mortgage-71603",
          "canonical_url": "https://lendb.ai/lender/first-home-mortgage-71603",
          "type": "imb"
        },
        "branch": {
          "city": "Baltimore",
          "state": "MD"
        },
        "headshot_url": "https://firsthome.com/wp-content/uploads/2026/03/Waters-Alex.jpg",
        "licensed_states": [
          "DC",
          "MD",
          "VA"
        ],
        "licenses": [
          {
            "state": "DC",
            "confidence": "lender_reported"
          },
          {
            "state": "MD",
            "confidence": "confirmed"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "es",
          "pt"
        ],
        "specialties": [],
        "lender_offers": [
          "construction",
          "down-payment-assistance",
          "fha",
          "first-time-buyer",
          "jumbo",
          "renovation",
          "usda",
          "va"
        ],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2022-02-08",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2022,
          "state": "FL"
        },
        "years_experience": null,
        "lender_profile_url": "https://firsthome.com/loan-officers/alex-waters/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-20)",
        "Office in Baltimore, MD",
        "Licensed in MD: confirmed with the Maryland regulator, verified 2026-10-26",
        "Earliest state license record: February 8, 2022 (Florida), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/ryan-waters-1153538",
      "license_check": {
        "state": "MD",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in MD: confirmed with the Maryland regulator, verified 2026-10-26",
        "verified_at": "2026-10-26",
        "source_url": "https://www.labor.maryland.gov/finance/"
      }
    },
    {
      "rank": 6,
      "score": 37.5,
      "loan_officer": {
        "nmls_id": 1491814,
        "slug": "daniel-porto-1491814",
        "full_name": "Dan Porto",
        "licensed_names": [
          {
            "name": "Daniel Porto",
            "name_with_middle_initial": "Daniel D. Porto",
            "first_name": "Daniel",
            "middle_initial": "D",
            "last_name": "Porto",
            "states": [
              "FL"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-09"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/daniel-porto-1491814",
        "json_url": "https://lendb.ai/lo/daniel-porto-1491814.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": "Potomac",
          "state": "MD"
        },
        "headshot_url": "http://a.mktgcdn.com/p/4nylrijmViE4_dZOX0s1WMi7EoffqS0FMdgnJZuDOOg/800x1200.jpg",
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [
          "es",
          "pt"
        ],
        "specialties": [
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "vacation-home",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "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": "2017-02-23",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2017,
          "state": "FL"
        },
        "years_experience": 13,
        "lender_profile_url": "https://homelendingadvisor.chase.com/md/potomac/10200-river-rd-hla-1491814",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-19)",
        "Office in Potomac, MD",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "Earliest state license record: February 23, 2017 (Florida), per state regulator",
        "States 13 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/daniel-porto-1491814",
      "license_check": {
        "state": "MD",
        "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": 7,
      "score": 36.3,
      "loan_officer": {
        "nmls_id": 1760174,
        "slug": "hesler-reyes-1760174",
        "full_name": "Hesler Reyes",
        "licensed_names": [
          {
            "name": "Hesler Reyes",
            "name_with_middle_initial": "Hesler J. Reyes",
            "first_name": "Hesler",
            "middle_initial": "J",
            "last_name": "Reyes",
            "states": [
              "MD"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-26"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/hesler-reyes-1760174",
        "json_url": "https://lendb.ai/lo/hesler-reyes-1760174.json",
        "lender": {
          "nmls_id": 113054,
          "name": "The Mortgage Link, Inc.",
          "slug": "the-mortgage-link-inc-113054",
          "canonical_url": "https://lendb.ai/lender/the-mortgage-link-inc-113054",
          "type": "imb"
        },
        "branch": {
          "city": "Rockville",
          "state": "MD"
        },
        "headshot_url": "https://39552115.fs1.hubspotusercontent-na1.net/hubfs/39552115/Loan%20Officer%20Headshots/Hesler%20Reyes%20-%20web.png",
        "licensed_states": [
          "DC",
          "MD",
          "VA"
        ],
        "licenses": [
          {
            "state": "DC",
            "confidence": "lender_reported"
          },
          {
            "state": "MD",
            "confidence": "confirmed"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "es"
        ],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
          }
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