{ "canonical_url": "https://lendb.ai/lang/es/nevada", "summary": "As of 2026-10-26, LenDb lists 38 loan officers licensed in or based in Nevada whose lender pages say they speak Spanish. The top-ranked are Jorge I Montoya Morales (Guild Mortgage, Reno), Eddie Didio (CMG Home Loans, Las Vegas) and Brenda Casas (CrossCountry Mortgage, Henderson). Ranking is lender-neutral: a license in NV, 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": "NV", "total": 38, "last_verified": "2026-10-26", "results": [ { "rank": 1, "score": 43.3, "loan_officer": { "nmls_id": 276125, "slug": "jorge-i-montoya-morales-276125", "full_name": "Jorge I Montoya Morales", "canonical_url": "https://lendb.ai/lo/jorge-i-montoya-morales-276125", "json_url": "https://lendb.ai/lo/jorge-i-montoya-morales-276125.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": "Reno", "state": "NV" }, "headshot_url": "https://www.guildmortgage.com/lib/uploads/officers/profile-photos/thjxm-jorge-montoya.jpg", "licensed_states": [ "CA", "NV" ], "licenses": [ { "state": "CA", "confidence": "confirmed" }, { "state": "NV", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [ "es" ], "specialties": [ { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "lender_offers": [ "down-payment-assistance", "fha", "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": "2010-06-17", "state": "CA" }, "licensed_since": { "year": 2010, "state": "CA" }, "years_experience": 20, "lender_profile_url": "https://branches.guildmortgage.com/nv/reno/jorge-i-montoya-morales-569-thjxm.html", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Spanish (lender page, verified 2026-10-20)", "Office in Reno, NV", "NV listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: June 17, 2010 (California), per state regulator", "States 20 years of experience (lender page, 2026-10-20)" ], "canonical_url": "https://lendb.ai/lo/jorge-i-montoya-morales-276125", "license_check": { "state": "NV", "confidence": "lender_reported", "eligible": true, "label": "NV listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-20", "source_url": "https://branches.guildmortgage.com/nv/reno/jorge-i-montoya-morales-569-thjxm.html" } }, { "rank": 2, "score": 41, "loan_officer": { "nmls_id": 349240, "slug": "ovadia-didio-349240", "full_name": "Eddie Didio", "licensed_names": [ { "name": "Ovadia Didio", "name_with_middle_initial": "Ovadia E. Didio", "first_name": "Ovadia", "middle_initial": "E", "last_name": "Didio", "states": [ "CA", "FL", "MD", "TX" ], "source": "state_regulator", "as_of": "2026-10-26" } ], "canonical_url": "https://lendb.ai/lo/ovadia-didio-349240", "json_url": "https://lendb.ai/lo/ovadia-didio-349240.json", "lender": { "nmls_id": 1820, "name": "CMG Home Loans", "slug": "cmg-home-loans-1820", "canonical_url": "https://lendb.ai/lender/cmg-home-loans-1820", "type": "imb" }, "branch": { "city": "Las Vegas", "state": "NV" }, "headshot_url": "https://cloud.cmgfi.com/dvbdysuf5/image/upload/a_exif,f_auto,g_faces,c_thumb,w_250,h_250,z_0.5,r_max/CMG_Web_Resources/LO_Images/Production_822_Ovadia_Didio_1789392361", "licensed_states": [ "FL", "TX", "AZ", "CA", "MD", "NM", "NV" ], "licenses": [ { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "confirmed" }, { "state": "FL", "confidence": "confirmed" }, { "state": "MD", "confidence": "confirmed" }, { "state": "NM", "confidence": "lender_reported" }, { "state": "NV", "confidence": "lender_reported" }, { "state": "TX", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [ "en", "es" ], "specialties": [ { "slug": "construction", "evidence": "lender_page_text" }, { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "lender_offers": [ "first-time-buyer", "heloc", "investor", "low-credit", "new-construction", "renovation", "reverse", "usda" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2012-08-21", "state": "CA" }, "licensed_since": { "year": 2012, "state": "CA" }, "years_experience": null, "lender_profile_url": "https://www.cmghomeloans.com/mysite/eddie-didio", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Spanish (lender page, verified 2026-10-20)", "Office in Las Vegas, NV", "NV listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: August 21, 2012 (California), per state regulator" ], "canonical_url": "https://lendb.ai/lo/ovadia-didio-349240", "license_check": { "state": "NV", "confidence": "lender_reported", "eligible": true, "label": "NV listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-20", "source_url": "https://www.cmghomeloans.com/mysite/eddie-didio" } }, { "rank": 3, "score": 37.8, "loan_officer": { "nmls_id": 366261, "slug": "brenda-casas-366261", "full_name": "Brenda Casas", "canonical_url": "https://lendb.ai/lo/brenda-casas-366261", "json_url": "https://lendb.ai/lo/brenda-casas-366261.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": "Henderson", "state": "NV" }, "headshot_url": "https://thevault.ccm.com/asset/5a51e99f-9044-447b-867a-a7b3447d5f17/Website/4324_Casas_366261.jpg", "licensed_states": [ "FL", "CA", "NV" ], "licenses": [ { "state": "CA", "confidence": "confirmed" }, { "state": "FL", "confidence": "confirmed" }, { "state": "NV", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [ "en", "es" ], "specialties": [ { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "heloc", "evidence": "lender_page_text" } ], "lender_offers": [ "condo", "condo-non-warrantable", "construction", "down-payment-assistance", "dscr", "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": "2017-01-17", "state": "CA" }, "licensed_since": { "year": 2017, "state": "CA" }, "years_experience": null, "lender_profile_url": "https://crosscountrymortgage.com/henderson-nv-4324/brenda-casas/", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Spanish (lender page, verified 2026-10-09)", "Office in Henderson, NV", "NV listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: January 17, 2017 (California), per state regulator" ], "canonical_url": "https://lendb.ai/lo/brenda-casas-366261", "license_check": { "state": "NV", "confidence": "lender_reported", "eligible": true, "label": "NV listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://crosscountrymortgage.com/henderson-nv-4324/brenda-casas/" } }, { "rank": 4, "score": 37.8, "loan_officer": { "nmls_id": 1125518, "slug": "gaby-harglerode-1125518", "full_name": "Gaby Harglerode", "canonical_url": "https://lendb.ai/lo/gaby-harglerode-1125518", "json_url": "https://lendb.ai/lo/gaby-harglerode-1125518.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": "Henderson", "state": "NV" }, "headshot_url": "https://www.guildmortgage.com/lib/uploads/officers/profile-photos/vggh-gaby-harglerode.jpg", "licensed_states": [ "NV" ], "licenses": [ { "state": "NV", "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": 10, "lender_profile_url": "https://branches.guildmortgage.com/nv/henderson/gaby-harglerode-515-vggh.html", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Spanish (lender page, verified 2026-10-20)", "Office in Henderson, NV", "NV listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "States 10 years of experience (lender page, 2026-10-20)" ], "canonical_url": "https://lendb.ai/lo/gaby-harglerode-1125518", "license_check": { "state": "NV", "confidence": "lender_reported", "eligible": true, "label": "NV listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-20", "source_url": "https://branches.guildmortgage.com/nv/henderson/gaby-harglerode-515-vggh.html" } }, { "rank": 5, "score": 37.3, "loan_officer": { "nmls_id": 315271, "slug": "twyla-gray-315271", "full_name": "Twyla Gray", "licensed_names": [ { "name": "Twyla Gray", "name_with_middle_initial": "Twyla K. Gray", "first_name": "Twyla", "middle_initial": "K", "last_name": "Gray", "states": [ "CA" ], "source": "state_regulator", "as_of": "2026-10-22" } ], "canonical_url": "https://lendb.ai/lo/twyla-gray-315271", "json_url": "https://lendb.ai/lo/twyla-gray-315271.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": "Henderson", "state": "NV" }, "headshot_url": "https://thevault.ccm.com/m/22749c073cd2c524/Website-2207_Gray_315271.jpg", "licensed_states": [ "AZ", "CA", "CO", "NV" ], "licenses": [ { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "confirmed" }, { "state": "CO", "confidence": "lender_reported" }, { "state": "NV", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [ "en", "es" ], "specialties": [ { "slug": "reverse", "evidence": "lender_page_text" } ], "lender_offers": [ "condo", "condo-non-warrantable", "construction", "down-payment-assistance", "dscr", "fha", "first-time-buyer", "heloc", "investor", "jumbo", "non-qm", "physician", "refinance", "renovation", "rural", "self-employed", "usda", "va" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2018-01-16", "state": "CA" }, "licensed_since": { "year": 2018, "state": "CA" }, "years_experience": null, "lender_profile_url": "https://crosscountrymortgage.com/henderson-nv-2207/twyla-gray/", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Spanish (lender page, verified 2026-10-09)", "Office in Henderson, NV", "NV listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: January 16, 2018 (California), per state regulator" ], "canonical_url": "https://lendb.ai/lo/twyla-gray-315271", "license_check": { "state": "NV", "confidence": "lender_reported", "eligible": true, "label": "NV listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://crosscountrymortgage.com/henderson-nv-2207/twyla-gray/" } }, { "rank": 6, "score": 36.5, "loan_officer": { "nmls_id": 692159, "slug": "robert-gonzalez-692159", "full_name": "Robert Gonzalez", "canonical_url": "https://lendb.ai/lo/robert-gonzalez-692159", "json_url": "https://lendb.ai/lo/robert-gonzalez-692159.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": "Las Vegas", "state": "NV" }, "headshot_url": "http://a.mktgcdn.com/p/Yy85RpXD-vpXhovOVO6-SlpQee3feEsjqx5yI5TDqR4/419x628.jpg", "licensed_states": [], "licenses": [], "federal_registration_likely": true, "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": 12, "lender_profile_url": "https://homelendingadvisor.chase.com/nv/las-vegas/4125-s-grand-canyon-dr-hla-692159", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Spanish (lender page, verified 2026-10-19)", "Office in Las Vegas, NV", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "States 12 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/robert-gonzalez-692159", "license_check": { "state": "NV", "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": 36.5, "loan_officer": { "nmls_id": 2138348, "slug": "sibyl-fernandez-2138348", "full_name": "Sibyl Fernandez", "canonical_url": "https://lendb.ai/lo/sibyl-fernandez-2138348", "json_url": "https://lendb.ai/lo/sibyl-fernandez-2138348.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": "Henderson", "state": "NV" }, "headshot_url": "https://www.guildmortgage.com/lib/uploads/officers/profile-photos/hdsf-sibyl-fernandez.png", "licensed_states": [ "FL", "TX", "NC", "NE", "NV" ], "licenses": [ { "state": "FL", "confidence": "confirmed" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "NE", "confidence": "lender_reported" }, { "state": "NV", "confidence": "lender_reported" }, { "state": "TX", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [ "en", "es" ], "specialties": [ { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "lender_offers": [ "down-payment-assistance", "fha", "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": "2021-07-20", "state": "FL" }, "licensed_since": { "year": 2021, "state": "FL" }, "years_experience": null, "lender_profile_url": "https://branches.guildmortgage.com/nv/henderson/sibyl-fernandez-255-hdsf.html", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Spanish (lender page, verified 2026-10-20)", "Office in Henderson, NV", "NV listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: July 20, 2021 (Florida), per state regulator" ], "canonical_url": "https://lendb.ai/lo/sibyl-fernandez-2138348", "license_check": { "state": "NV", "confidence": "lender_reported", "eligible": true, "label": "NV listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-20", "source_url": "https://branches.guildmortgage.com/nv/henderson/sibyl-fernandez-255-hdsf.html" } }, { "rank": 8, "score": 35.5, "loan_officer": { "nmls_id": 420636, "slug": "melody-lofstedt-420636", "full_name": "Melody Lofstedt", "canonical_url": "https://lendb.ai/lo/melody-lofstedt-420636", "json_url": "https://lendb.ai/lo/melody-lofstedt-420636.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": "Reno", "state": "NV" }, "headshot_url": "https://www.guildmortgage.com/lib/uploads/officers/profile-photos/rrmlo-melody-lofstedt.jpg", "licensed_states": [ "CA", "NV" ], "licenses": [ { "state": "CA", "confidence": "confirmed" }, { "state": "NV", "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": { "date": "2022-03-02", "state": "CA" }, "licensed_since": { "year": 2022, "state": "CA" }, "years_experience": null, "lender_profile_url": "https://branches.guildmortgage.com/nv/reno/melody-lofstedt-737-rrmlo.html", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Spanish (lender page, verified 2026-10-20)", "Office in Reno, NV", "NV listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: March 2, 2022 (California), per state regulator" ], "canonical_url": "https://lendb.ai/lo/melody-lofstedt-420636", "license_check": { "state": "NV", "confidence": "lender_reported", "eligible": true, "label": "NV listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-20", "source_url": "https://branches.guildmortgage.com/nv/reno/melody-lofstedt-737-rrmlo.html" } }, { "rank": 9, "score": 35.5, "loan_officer": { "nmls_id": 1410933, "slug": "jorge-martinez-1410933", "full_name": "Jorge Martinez", "canonical_url": "https://lendb.ai/lo/jorge-martinez-1410933", "json_url": "https://lendb.ai/lo/jorge-martinez-1410933.json", "lender": { "nmls_id": 399802, "name": "Bank of America", "slug": "bank-of-america-399802", "canonical_url": "https://lendb.ai/lender/bank-of-america-399802", "type": "bank" }, "branch": { "city": "Las Vegas", "state": "NV" }, "headshot_url": "https://images.em.bankofamerica.com/AMP/0E60BC8E-12C3-408D-B8A3-2CDBB38D0DF8.jpg", "licensed_states": [], "licenses": [], "federal_registration_likely": true, "languages": [ "es" ], "specialties": [], "lender_offers": [ "down-payment-assistance", "fha", "first-time-buyer", "heloc", "jumbo", "physician", "va" ], "years_licensed": null, "earliest_license_record": null, "licensed_since": null, "years_experience": 11, "lender_profile_url": "https://mortgage.bankofamerica.com/jorge1-martinez", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Spanish (lender page, verified 2026-10-19)", "Office in Las Vegas, NV", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "States 11 years of experience (lender page, 2026-10-19)" ], "canonical_url": "https://lendb.ai/lo/jorge-martinez-1410933", "license_check": { "state": "NV", "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": 34.8, "loan_officer": { "nmls_id": 1278226, "slug": "enilah-almaraz-nunez-1278226", "full_name": "Enilah Almaraz-Nunez", "canonical_url": "https://lendb.ai/lo/enilah-almaraz-nunez-1278226", "json_url": "https://lendb.ai/lo/enilah-almaraz-nunez-1278226.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": "Reno", "state": "NV" }, "headshot_url": "https://thevault.ccm.com/asset/78277a63-03e7-4e88-8e86-432cc7865305/Website/2226_Nunez_1278226.jpg", "licensed_states": [ "TX", "NV" ], "licenses": [ { "state": "NV", "confidence": "lender_reported" }, { "state": "TX", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [ "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": "2023-01-29", "state": "TX" }, "licensed_since": { "year": 2023, "state": "TX" }, "years_experience": null, "lender_profile_url": "https://crosscountrymortgage.com/reno-nv-2226/enilah-almaraz-nunez/", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Spanish (lender page, verified 2026-10-22)", "Office in Reno, NV", "NV listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: January 29, 2023 (Texas), per state regulator" ], "canonical_url": "https://lendb.ai/lo/enilah-almaraz-nunez-1278226", "license_check": { "state": "NV", "confidence": "lender_reported", "eligible": true, "label": "NV 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/reno-nv-2226/enilah-almaraz-nunez/" } }, { "rank": 11, "score": 34.8, "loan_officer": { "nmls_id": 1444038, "slug": "julieta-dzul-1444038", "full_name": "Esther Dzul", "licensed_names": [ { "name": "Julieta Dzul", "name_with_middle_initial": "Julieta E. 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Federally registered MLOs aren't state-licensed; verify at NMLS", "States 5 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/salvador-gaona-2256320", "license_check": { "state": "NV", "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": 13, "score": 32.8, "loan_officer": { "nmls_id": 2800995, "slug": "dayana-ruiz-2800995", "full_name": "Dayana Ruiz", "canonical_url": "https://lendb.ai/lo/dayana-ruiz-2800995", "json_url": "https://lendb.ai/lo/dayana-ruiz-2800995.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": "Henderson", "state": "NV" }, "headshot_url": "https://www.guildmortgage.com/lib/uploads/officers/profile-photos/vgdr-dayana-ruiz.jpg", "licensed_states": [ "NV" ], "licenses": [ { "state": "NV", "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": null, "lender_profile_url": "https://branches.guildmortgage.com/nv/henderson/dayana-ruiz-483-vgdr.html", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Spanish (lender page, verified 2026-10-20)", "Office in Henderson, NV", "NV listed on their lender page (not yet checked with the state regulator; verify at NMLS)" ], "canonical_url": "https://lendb.ai/lo/dayana-ruiz-2800995", "license_check": { "state": "NV", "confidence": "lender_reported", "eligible": true, "label": "NV listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-20", "source_url": "https://branches.guildmortgage.com/nv/henderson/dayana-ruiz-483-vgdr.html" } }, { "rank": 14, "score": 32, "loan_officer": { "nmls_id": 297456, "slug": "stephen-j-chaidez-297456", "full_name": "Stephen J. Chaidez", "canonical_url": "https://lendb.ai/lo/stephen-j-chaidez-297456", "json_url": "https://lendb.ai/lo/stephen-j-chaidez-297456.json", "lender": { "nmls_id": 320841, "name": "Loan Factory", "slug": "loan-factory-320841", "canonical_url": "https://lendb.ai/lender/loan-factory-320841", "type": "broker" }, "branch": { "city": null, "state": null }, "headshot_url": "https://lh3.googleusercontent.com/LK5WspV1MslQfXnBPdjAOU7mYkeX9j1iHhh-5RNDnwDPuPNxGlp4JkHOvE9qM-EbRy3ZaDZ6PHZXCi-w_vREWrbbx47WvITeNpas", "licensed_states": [ "AZ", "CA", "NV" ], "licenses": [ { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "confirmed" }, { "state": "NV", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [ "en", "es" ], "specialties": [], "lender_offers": [], "years_licensed": null, "earliest_license_record": { "date": "2021-03-08", "state": "CA" }, "licensed_since": { "year": 2021, "state": "CA" }, "years_experience": 20, "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/stephen-j-chaidez-297456", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Spanish (lender page, verified 2026-10-09)", "NV listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: March 8, 2021 (California), per state regulator", "States 20 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/stephen-j-chaidez-297456", "license_check": { "state": "NV", "confidence": "lender_reported", "eligible": true, "label": "NV listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://www.loanfactory.com/mortgage-expert/stephen-j-chaidez-297456" } }, { "rank": 15, "score": 31.3, "loan_officer": { "nmls_id": 238306, "slug": "carlos-flores-238306", "full_name": "Carlos Flores", "licensed_names": [ { "name": "Carlos Flores", "name_with_middle_initial": "Carlos M. 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Federally registered MLOs aren't state-licensed; verify at NMLS" ], "canonical_url": "https://lendb.ai/lo/mirna-a-hernandez-714863", "license_check": { "state": "NV", "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": 17, "score": 31, "loan_officer": { "nmls_id": 1425693, "slug": "max-prosky-1425693", "full_name": "Max Prosky", "canonical_url": "https://lendb.ai/lo/max-prosky-1425693", "json_url": "https://lendb.ai/lo/max-prosky-1425693.json", "lender": { "nmls_id": 402761, "name": "U.S. Bank", "slug": "us-bank-402761", "canonical_url": "https://lendb.ai/lender/us-bank-402761", "type": "bank" }, "branch": { "city": "Las Vegas", "state": "NV" }, "headshot_url": "https://dyn.mktgcdn.com/p/aKmMBegPpHA1Xk3DGAcoQmMke4VGYBXTBiIQvfv1Nj0/width=500,height=500", "licensed_states": [], "licenses": [], "federal_registration_likely": true, "languages": [ "es" ], "specialties": [ { "slug": "construction", "evidence": "lender_page_text" }, { "slug": "new-construction", "evidence": "lender_page_text" } ], "lender_offers": [ "down-payment-assistance", "fha", "first-time-buyer", "heloc", "investor", "jumbo", "renovation", "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://mortgage.usbank.com/nv/las-vegas/max-prosky-1425693", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Spanish (lender page, verified 2026-10-21)", "Office in Las Vegas, NV", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS" ], "canonical_url": "https://lendb.ai/lo/max-prosky-1425693", "license_check": { "state": "NV", "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": "2026-10-21", "source_url": null } }, { "rank": 18, "score": 31, "loan_officer": { "nmls_id": 1518302, "slug": "wendy-rivera-llanes-1518302", "full_name": "Wendy Rivera-Llanes", "canonical_url": "https://lendb.ai/lo/wendy-rivera-llanes-1518302", "json_url": "https://lendb.ai/lo/wendy-rivera-llanes-1518302.json", "lender": { "nmls_id": 402761, "name": "U.S. Bank", "slug": "us-bank-402761", "canonical_url": "https://lendb.ai/lender/us-bank-402761", "type": "bank" }, "branch": { "city": "Reno", "state": "NV" }, "headshot_url": "https://dyn.mktgcdn.com/p/AkglJn-vCgDeRu6-YYOjP8Y4fhNwf3gzUSXia_IiOEw/width=500,height=500", "licensed_states": [], "licenses": [], "federal_registration_likely": true, "languages": [ "es" ], "specialties": [ { "slug": "new-construction", "evidence": "lender_page_text" } ], "lender_offers": [ "construction", "down-payment-assistance", "fha", "first-time-buyer", "heloc", "investor", "jumbo", "renovation", "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://mortgage.usbank.com/nv/reno/wendy-rivera-llanes-1518302", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Spanish (lender page, verified 2026-10-21)", "Office in Reno, NV", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS" ], "canonical_url": "https://lendb.ai/lo/wendy-rivera-llanes-1518302", "license_check": { "state": "NV", "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", "verified_at": "2026-10-26", "source_url": null } }, { "rank": 22, "score": 30.3, "loan_officer": { "nmls_id": 1466567, "slug": "luis-j-navarro-1466567", "full_name": "Luis J Navarro", "canonical_url": "https://lendb.ai/lo/luis-j-navarro-1466567", "json_url": "https://lendb.ai/lo/luis-j-navarro-1466567.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": "North Las Vegas", "state": "NV" }, "headshot_url": "http://a.mktgcdn.com/p/k_FEziUIVQY6y1sGYUR6ocXG0tsSeTQDqE-AwKG8lHc/278x417.jpg", "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": "va", "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": null, "lender_profile_url": "https://homelendingadvisor.chase.com/nv/north-las-vegas/2015-w-craig-rd-hla-1466567", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Spanish (lender page, verified 2026-10-19)", "Office in North Las Vegas, NV", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS" ], "canonical_url": "https://lendb.ai/lo/luis-j-navarro-1466567", "license_check": { "state": "NV", "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": 23, "score": 30, "loan_officer": { "nmls_id": 1398521, "slug": "nancy-alvarado-1398521", "full_name": "Nancy Alvarado", "canonical_url": "https://lendb.ai/lo/nancy-alvarado-1398521", "json_url": "https://lendb.ai/lo/nancy-alvarado-1398521.json", "lender": { "nmls_id": 399802, "name": "Bank of America", "slug": "bank-of-america-399802", "canonical_url": "https://lendb.ai/lender/bank-of-america-399802", "type": "bank" }, "branch": { "city": "Las Vegas", "state": "NV" }, "headshot_url": "https://images.em.bankofamerica.com/AMP/83B90C36-58EA-4719-B3BC-711FA7AD0A2D.png", "licensed_states": [], "licenses": [], "federal_registration_likely": true, "languages": [ "es" ], "specialties": [], "lender_offers": [ "down-payment-assistance", "fha", "first-time-buyer", "heloc", "jumbo", "physician", "va" ], "years_licensed": null, "earliest_license_record": null, "licensed_since": null, "years_experience": null, "lender_profile_url": "https://mortgage.bankofamerica.com/nancy-alvarado", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Spanish (lender page, verified 2026-10-19)", "Office in Las Vegas, NV", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS" ], "canonical_url": "https://lendb.ai/lo/nancy-alvarado-1398521", "license_check": { "state": "NV", "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": 24, "score": 30, "loan_officer": { "nmls_id": 2318872, "slug": "eddy-martel-rodriguez-2318872", "full_name": "Eddy Martel-Rodriguez", "canonical_url": "https://lendb.ai/lo/eddy-martel-rodriguez-2318872", "json_url": "https://lendb.ai/lo/eddy-martel-rodriguez-2318872.json", "lender": { "nmls_id": 399802, "name": "Bank of America", "slug": "bank-of-america-399802", "canonical_url": "https://lendb.ai/lender/bank-of-america-399802", "type": "bank" }, "branch": { "city": "Reno", "state": "NV" }, "headshot_url": "https://images.em.bankofamerica.com/AMP/05E6549E-9998-40AE-86D2-0410729044B0.jpg", "licensed_states": [], "licenses": [], "federal_registration_likely": true, "languages": [ "es" ], "specialties": [], "lender_offers": [ "down-payment-assistance", "fha", "first-time-buyer", "heloc", "jumbo", "physician", "va" ], "years_licensed": null, "earliest_license_record": null, "licensed_since": null, "years_experience": null, "lender_profile_url": "https://mortgage.bankofamerica.com/eddy-martel-rodriguez", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Spanish (lender page, verified 2026-10-19)", "Office in Reno, NV", "Likely federally registered (works at a bank). 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Federally registered MLOs aren't state-licensed; verify at NMLS", "verified_at": "2026-10-19", "source_url": null } }, { "rank": 25, "score": 29.3, "loan_officer": { "nmls_id": 1916131, "slug": "roman-tejeda-1916131", "full_name": "Roman Tejeda", "canonical_url": "https://lendb.ai/lo/roman-tejeda-1916131", "json_url": "https://lendb.ai/lo/roman-tejeda-1916131.json", "lender": { "nmls_id": 399802, "name": "Bank of America", "slug": "bank-of-america-399802", "canonical_url": "https://lendb.ai/lender/bank-of-america-399802", "type": "bank" }, "branch": { "city": "Las Vegas", "state": "NV" }, "headshot_url": null, "licensed_states": [], "licenses": [], "federal_registration_likely": true, "languages": [ "es" ], "specialties": [], "lender_offers": [ "down-payment-assistance", "fha", "first-time-buyer", "heloc", "jumbo", "physician", "va" ], "years_licensed": null, "earliest_license_record": null, "licensed_since": null, "years_experience": null, "lender_profile_url": "https://mortgage.bankofamerica.com/roman-tejeda", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Spanish (lender page, verified 2026-10-19)", "Office in Las Vegas, NV", "Likely federally registered (works at a bank). 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