{ "canonical_url": "https://lendb.ai/lang/es/new-mexico", "summary": "As of 2026-10-26, LenDb lists 22 loan officers licensed in or based in New Mexico whose lender pages say they speak Spanish. The top-ranked are Lisa Lopez (Guild Mortgage, Albuquerque), April Apodaca (Mortgage Solutions of Colorado, LLC, Rio Rancho) and Francisco Carrasco (Mortgage Solutions of Colorado, LLC, Rio Rancho). Ranking is lender-neutral: a license in NM, 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": "NM", "total": 22, "last_verified": "2026-10-26", "results": [ { "rank": 1, "score": 43.5, "loan_officer": { "nmls_id": 374857, "slug": "lisa-lopez-374857", "full_name": "Lisa Lopez", "canonical_url": "https://lendb.ai/lo/lisa-lopez-374857", "json_url": "https://lendb.ai/lo/lisa-lopez-374857.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": "Albuquerque", "state": "NM" }, "headshot_url": "https://www.guildmortgage.com/lib/uploads/officers/profile-photos/lgllo-lisa-lopez.jpg", "licensed_states": [ "NM" ], "licenses": [ { "state": "NM", "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": 28, "lender_profile_url": "https://branches.guildmortgage.com/nm/albuquerque/lisa-lopez-968-lgllo.html", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Spanish (lender page, verified 2026-10-19)", "Office in Albuquerque, NM", "NM listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "States 28 years of experience (lender page, 2026-10-19)" ], "canonical_url": "https://lendb.ai/lo/lisa-lopez-374857", "license_check": { "state": "NM", "confidence": "lender_reported", "eligible": true, "label": "NM 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/nm/albuquerque/lisa-lopez-968-lgllo.html" } }, { "rank": 2, "score": 34, "loan_officer": { "nmls_id": 1229165, "slug": "april-apodaca-1229165", "full_name": "April Apodaca", "canonical_url": "https://lendb.ai/lo/april-apodaca-1229165", "json_url": "https://lendb.ai/lo/april-apodaca-1229165.json", "lender": { "nmls_id": 61602, "name": "Mortgage Solutions of Colorado, LLC", "slug": "mortgage-solutions-of-colorado-llc-61602", "canonical_url": "https://lendb.ai/lender/mortgage-solutions-of-colorado-llc-61602", "type": "imb" }, "branch": { "city": "Rio Rancho", "state": "NM" }, "headshot_url": "https://mortgagesolutions.net/wp-content/uploads/2024/07/April-Apodaca-MSF.jpg", "licensed_states": [ "NM" ], "licenses": [ { "state": "NM", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [ "es" ], "specialties": [ { "slug": "down-payment-assistance", "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://mortgagesolutions.net/loan-officers/april-apodaca/", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Spanish (lender page, verified 2026-10-21)", "Office in Rio Rancho, NM", "NM listed on their lender page (not yet checked with the state regulator; verify at NMLS)" ], "canonical_url": "https://lendb.ai/lo/april-apodaca-1229165", "license_check": { "state": "NM", "confidence": "lender_reported", "eligible": true, "label": "NM listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-21", "source_url": "https://mortgagesolutions.net/loan-officers/april-apodaca/" } }, { "rank": 3, "score": 33.3, "loan_officer": { "nmls_id": 2237923, "slug": "francisco-carrasco-2237923", "full_name": "Francisco Carrasco", "canonical_url": "https://lendb.ai/lo/francisco-carrasco-2237923", "json_url": "https://lendb.ai/lo/francisco-carrasco-2237923.json", "lender": { "nmls_id": 61602, "name": "Mortgage Solutions of Colorado, LLC", "slug": "mortgage-solutions-of-colorado-llc-61602", "canonical_url": "https://lendb.ai/lender/mortgage-solutions-of-colorado-llc-61602", "type": "imb" }, "branch": { "city": "Rio Rancho", "state": "NM" }, "headshot_url": "https://mortgagesolutions.net/wp-content/uploads/2024/07/Carrasco-Francisco-MSF.jpg", "licensed_states": [ "NM" ], "licenses": [ { "state": "NM", "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" } ], "years_licensed": null, "earliest_license_record": null, "licensed_since": null, "years_experience": null, "lender_profile_url": "https://mortgagesolutions.net/loan-officers/francisco-carrasco/", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Spanish (lender page, verified 2026-10-21)", "Office in Rio Rancho, NM", "NM listed on their lender page (not yet checked with the state regulator; verify at NMLS)" ], "canonical_url": "https://lendb.ai/lo/francisco-carrasco-2237923", "license_check": { "state": "NM", "confidence": "lender_reported", "eligible": true, "label": "NM listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-21", "source_url": "https://mortgagesolutions.net/loan-officers/francisco-carrasco/" } }, { "rank": 4, "score": 32.8, "loan_officer": { "nmls_id": 254987, "slug": "tabitha-gallegos-kahn-254987", "full_name": "Tabitha Gallegos-Kahn", "canonical_url": "https://lendb.ai/lo/tabitha-gallegos-kahn-254987", "json_url": "https://lendb.ai/lo/tabitha-gallegos-kahn-254987.json", "lender": { "nmls_id": 3240, "name": "Directors Mortgage", "slug": "directors-mortgage-3240", "canonical_url": "https://lendb.ai/lender/directors-mortgage-3240", "type": "imb" }, "branch": { "city": "Albuquerque", "state": "NM" }, "headshot_url": "https://www.directorsmortgage.com/wp-content/uploads/2024/02/tabitha.png", "licensed_states": [ "NM" ], "licenses": [ { "state": "NM", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [ "es" ], "specialties": [], "lender_offers": [ "asset-based", "bank-statement", "down-payment-assistance", "dscr", "fha", "first-time-buyer", "heloc", "investor", "itin", "jumbo", "low-credit", "mixed-use", "non-qm", "renovation", "reverse", "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://www.directorsmortgage.com/loan-officer/tabitha-gallegos-kahn/", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Spanish (lender page, verified 2026-10-21)", "Office in Albuquerque, NM", "NM listed on their lender page (not yet checked with the state regulator; verify at NMLS)" ], "canonical_url": "https://lendb.ai/lo/tabitha-gallegos-kahn-254987", "license_check": { "state": "NM", "confidence": "lender_reported", "eligible": true, "label": "NM listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-21", "source_url": "https://www.directorsmortgage.com/loan-officer/tabitha-gallegos-kahn/" } }, { "rank": 5, "score": 32.5, "loan_officer": { "nmls_id": 1370263, "slug": "emmett-colon-1370263", "full_name": "Emmett Colon", "canonical_url": "https://lendb.ai/lo/emmett-colon-1370263", "json_url": "https://lendb.ai/lo/emmett-colon-1370263.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/fM3m5QI1569bk7H-MxOcSBIiJ5OWwye2jdxR2Q16hv6u5lXhPwT-OeJx7KWMJAelXrb9_MV5Hfix8v1HND9luNTq3-DdQth6Be5P", "licensed_states": [ "AZ", "CA", "NM" ], "licenses": [ { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "confirmed" }, { "state": "NM", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [ "en", "es" ], "specialties": [ { "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://www.loanfactory.com/mortgage-expert/emmett-colon-1370263", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Spanish (lender page, verified 2026-10-09)", "NM listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "States 20 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/emmett-colon-1370263", "license_check": { "state": "NM", "confidence": "lender_reported", "eligible": true, "label": "NM 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/emmett-colon-1370263" } }, { "rank": 6, "score": 32.3, "loan_officer": { "nmls_id": 318951, "slug": "ernesto-portillo-318951", "full_name": "Ernesto Portillo", "licensed_names": [ { "name": "Ernesto Portillo", "name_with_middle_initial": "Ernesto A. Portillo", "first_name": "Ernesto", "middle_initial": "A", "last_name": "Portillo", "states": [ "FL", "TX" ], "source": "state_regulator", "as_of": "2026-10-12" } ], "canonical_url": "https://lendb.ai/lo/ernesto-portillo-318951", "json_url": "https://lendb.ai/lo/ernesto-portillo-318951.json", "lender": { "nmls_id": 196858, "name": "Bayshore Mortgage Funding, LLC", "slug": "bayshore-mortgage-funding-llc-196858", "canonical_url": "https://lendb.ai/lender/bayshore-mortgage-funding-llc-196858", "type": "imb" }, "branch": { "city": null, "state": null }, "headshot_url": "https://bayshoremortgagefunding.com/wp-content/uploads/Screenshot-2026-10-19-130538.png", "licensed_states": [ "FL", "TX", "NM" ], "licenses": [ { "state": "FL", "confidence": "confirmed" }, { "state": "NM", "confidence": "lender_reported" }, { "state": "TX", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [ "en", "es" ], "specialties": [], "lender_offers": [], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2014-12-15", "state": "TX" }, "licensed_since": { "year": 2014, "state": "TX" }, "years_experience": 20, "lender_profile_url": "https://bayshoremortgagefunding.com/team-directory/ernesto-portillo/", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Spanish (lender page, verified 2026-10-21)", "NM listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: December 15, 2014 (Texas), per state regulator", "States 20 years of experience (lender page, 2026-10-21)" ], "canonical_url": "https://lendb.ai/lo/ernesto-portillo-318951", "license_check": { "state": "NM", "confidence": "lender_reported", "eligible": true, "label": "NM listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-21", "source_url": "https://bayshoremortgagefunding.com/team-directory/ernesto-portillo/" } }, { "rank": 7, "score": 31, "loan_officer": { "nmls_id": 198143, "slug": "randy-montoya-198143", "full_name": "Randy Montoya", "canonical_url": "https://lendb.ai/lo/randy-montoya-198143", "json_url": "https://lendb.ai/lo/randy-montoya-198143.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": "Albuquerque", "state": "NM" }, "headshot_url": "http://a.mktgcdn.com/p/sfxGtguf-UQAxaw23w1e7h5LqpRoqggsZGnCB2cqr9w/222x333.jpg", "licensed_states": [], "licenses": [], "federal_registration_likely": true, "languages": [ "es" ], "specialties": [ { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "vacation-home", "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/nm/albuquerque/6670-indian-school-rd-ne-hla-198143", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Spanish (lender page, verified 2026-10-26)", "Office in Albuquerque, NM", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS" ], "canonical_url": "https://lendb.ai/lo/randy-montoya-198143", "license_check": { "state": "NM", "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": 8, "score": 31, "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)", "NM 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": "NM", "confidence": "lender_reported", "eligible": true, "label": "NM 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": 9, "score": 31, "loan_officer": { "nmls_id": 403871, "slug": "christopher-gonzales-403871", "full_name": "Christopher Gonzales", "canonical_url": "https://lendb.ai/lo/christopher-gonzales-403871", "json_url": "https://lendb.ai/lo/christopher-gonzales-403871.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": "Albuquerque", "state": "NM" }, "headshot_url": "http://a.mktgcdn.com/p/yi427cawzCRIGJUS3eb5qFoMzr2ydZbJ55dr1xrtfj8/403x604.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": "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": null, "licensed_since": null, "years_experience": null, "lender_profile_url": "https://homelendingadvisor.chase.com/nm/albuquerque/111-coors-blvd-hla-403871", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Spanish (lender page, verified 2026-10-19)", "Office in Albuquerque, NM", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS" ], "canonical_url": "https://lendb.ai/lo/christopher-gonzales-403871", "license_check": { "state": "NM", "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" ], "canonical_url": "https://lendb.ai/lo/mileivi-gutierrez-2686580", "license_check": { "state": "NM", "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": 29.3, "loan_officer": { "nmls_id": 862396, "slug": "heidy-perez-phillip-862396", "full_name": "Heidy Perez Phillip", "licensed_names": [ { "name": "Heidy Perez-Phillip", "name_with_middle_initial": "Heidy A. 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