{ "canonical_url": "https://lendb.ai/lang/es/north-carolina", "summary": "As of 2026-10-26, LenDb lists 57 loan officers licensed in or based in North Carolina whose lender pages say they speak Spanish. The top-ranked are Andy Garcia (TowneBank Mortgage, Charlotte), Gustavo Castillo (ALCOVA Mortgage, Charlotte) and Jessica Belmontes (Guild Mortgage, Raleigh). Ranking is lender-neutral: a license in NC, 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": "NC", "total": 57, "last_verified": "2026-10-26", "results": [ { "rank": 1, "score": 38, "loan_officer": { "nmls_id": 851891, "slug": "andy-garcia-851891", "full_name": "Andy Garcia", "canonical_url": "https://lendb.ai/lo/andy-garcia-851891", "json_url": "https://lendb.ai/lo/andy-garcia-851891.json", "lender": { "nmls_id": 512138, "name": "TowneBank Mortgage", "slug": "townebank-mortgage-512138", "canonical_url": "https://lendb.ai/lender/townebank-mortgage-512138", "type": "bank" }, "branch": { "city": "Charlotte", "state": "NC" }, "headshot_url": "https://townebankmortgage.com/getattachment/4556443e-4049-4dac-965a-ba5708e506ce/Andy-Garcia_TowneBank-Mortgage.jpg?lang=en-US&ext=.jpg", "licensed_states": [], "licenses": [], "federal_registration_likely": true, "languages": [ "en", "es" ], "specialties": [], "lender_offers": [ "condo", "construction", "down-payment-assistance", "fha", "first-time-buyer", "investor", "jumbo", "new-construction", "renovation", "usda", "va" ], "years_licensed": null, "earliest_license_record": null, "licensed_since": null, "years_experience": 15, "lender_profile_url": "https://townebankmortgage.com/officers/andy-garcia/", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Spanish (lender page, verified 2026-10-20)", "Office in Charlotte, NC", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "States 15 years of experience (lender page, 2026-10-20)" ], "canonical_url": "https://lendb.ai/lo/andy-garcia-851891", "license_check": { "state": "NC", "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": "2026-10-20", "source_url": null } }, { "rank": 2, "score": 37.8, "loan_officer": { "nmls_id": 1251455, "slug": "gustavo-castillo-1251455", "full_name": "Gustavo Castillo", "licensed_names": [ { "name": "Gustavo Castillo", "name_with_middle_initial": "Gustavo A. Castillo", "first_name": "Gustavo", "middle_initial": "A", "last_name": "Castillo", "states": [ "FL" ], "source": "state_regulator", "as_of": "2026-10-09" } ], "canonical_url": "https://lendb.ai/lo/gustavo-castillo-1251455", "json_url": "https://lendb.ai/lo/gustavo-castillo-1251455.json", "lender": { "nmls_id": 40508, "name": "ALCOVA Mortgage", "slug": "alcova-mortgage-40508", "canonical_url": "https://lendb.ai/lender/alcova-mortgage-40508", "type": "imb" }, "branch": { "city": "Charlotte", "state": "NC" }, "headshot_url": "https://alcova.com/wp-content/uploads/2026/09/gustavo-castillo.png", "licensed_states": [ "FL", "NC" ], "licenses": [ { "state": "FL", "confidence": "confirmed" }, { "state": "NC", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [ "es" ], "specialties": [], "lender_offers": [ "1099-income", "bank-statement", "dscr", "fha", "first-time-buyer", "heloc", "investor", "jumbo", "reverse", "self-employed", "usda", "va" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2016-04-06", "state": "FL" }, "licensed_since": { "year": 2016, "state": "FL" }, "years_experience": null, "lender_profile_url": "https://alcova.com/loan-officer/gustavo-castillo/", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Spanish (lender page, verified 2026-10-21)", "Office in Charlotte, NC", "NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: April 6, 2016 (Florida), per state regulator" ], "canonical_url": "https://lendb.ai/lo/gustavo-castillo-1251455", "license_check": { "state": "NC", "confidence": "lender_reported", "eligible": true, "label": "NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-21", "source_url": "https://alcova.com/loan-officer/gustavo-castillo/" } }, { "rank": 3, "score": 36.8, "loan_officer": { "nmls_id": 437553, "slug": "jessica-belmontes-437553", "full_name": "Jessica Belmontes", "licensed_names": [ { "name": "Jessica Belmontes", "name_with_middle_initial": "Jessica L. Belmontes", "first_name": "Jessica", "middle_initial": "L", "last_name": "Belmontes", "states": [ "FL" ], "source": "state_regulator", "as_of": "2026-10-09" } ], "canonical_url": "https://lendb.ai/lo/jessica-belmontes-437553", "json_url": "https://lendb.ai/lo/jessica-belmontes-437553.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": "Raleigh", "state": "NC" }, "headshot_url": "https://www.guildmortgage.com/lib/uploads/officers/profile-photos/tnjbe-jessica-belmontes.jpg", "licensed_states": [ "FL", "IL", "MI", "NC" ], "licenses": [ { "state": "FL", "confidence": "confirmed" }, { "state": "IL", "confidence": "confirmed" }, { "state": "MI", "confidence": "lender_reported" }, { "state": "NC", "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": "2018-06-19", "state": "FL" }, "licensed_since": { "year": 2018, "state": "FL" }, "years_experience": null, "lender_profile_url": "https://branches.guildmortgage.com/nc/raleigh/jessica-belmontes-56-tnjbe.html", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Spanish (lender page, verified 2026-10-19)", "Office in Raleigh, NC", "NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: June 19, 2018 (Florida), per state regulator" ], "canonical_url": "https://lendb.ai/lo/jessica-belmontes-437553", "license_check": { "state": "NC", "confidence": "lender_reported", "eligible": true, "label": "NC 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/nc/raleigh/jessica-belmontes-56-tnjbe.html" } }, { "rank": 4, "score": 35.3, "loan_officer": { "nmls_id": 1997670, "slug": "nicolas-rios-1997670", "full_name": "Nick Rios", "canonical_url": "https://lendb.ai/lo/nicolas-rios-1997670", "json_url": "https://lendb.ai/lo/nicolas-rios-1997670.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": "Wilmington", "state": "NC" }, "headshot_url": "https://thevault.ccm.com/asset/efffb223-ac11-4506-9008-1bb70abe2f07/Website/3933_Rios_1997670.jpg", "licensed_states": [ "NC", "PA", "SC" ], "licenses": [ { "state": "NC", "confidence": "lender_reported" }, { "state": "PA", "confidence": "lender_reported" }, { "state": "SC", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [ "en", "es" ], "specialties": [ { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "non-qm", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "lender_offers": [ "condo", "condo-non-warrantable", "construction", "dscr", "fha", "heloc", "investor", "jumbo", "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": "2022-11-03", "state": "FL" }, "licensed_since": { "year": 2022, "state": "FL" }, "years_experience": null, "lender_profile_url": "https://crosscountrymortgage.com/wilmington-nc-3933/nicolas-rios/", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Spanish (lender page, verified 2026-10-09)", "Office in Wilmington, NC", "NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: November 3, 2022 (Florida), per state regulator" ], "canonical_url": "https://lendb.ai/lo/nicolas-rios-1997670", "license_check": { "state": "NC", "confidence": "lender_reported", "eligible": true, "label": "NC 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/wilmington-nc-3933/nicolas-rios/" } }, { "rank": 5, "score": 35, "loan_officer": { "nmls_id": 1918315, "slug": "denise-medina-1918315", "full_name": "Denise Medina", "licensed_names": [ { "name": "Denise Medina", "name_with_middle_initial": "Denise G. Medina", "first_name": "Denise", "middle_initial": "G", "last_name": "Medina", "states": [ "TX" ], "source": "state_regulator", "as_of": "2026-10-12" } ], "canonical_url": "https://lendb.ai/lo/denise-medina-1918315", "json_url": "https://lendb.ai/lo/denise-medina-1918315.json", "lender": { "nmls_id": 2229, "name": "Union Home Mortgage", "slug": "union-home-mortgage-2229", "canonical_url": "https://lendb.ai/lender/union-home-mortgage-2229", "type": "imb" }, "branch": { "city": "Fayetteville", "state": "NC" }, "headshot_url": "https://www.uhm.com/media/4961/denise-headshot-dec-2025.jpg", "licensed_states": [ "TX", "NC", "TN" ], "licenses": [ { "state": "NC", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "TX", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [ "en", "es" ], "specialties": [], "lender_offers": [ "bank-statement", "construction", "fha", "heloc", "self-employed", "usda", "va" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2023-08-16", "state": "TX" }, "licensed_since": { "year": 2023, "state": "TX" }, "years_experience": null, "lender_profile_url": "https://www.uhm.com/loan-officers/denise-medina/", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Spanish (lender page, verified 2026-10-14)", "Office in Fayetteville, NC", "NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: August 16, 2023 (Texas), per state regulator" ], "canonical_url": "https://lendb.ai/lo/denise-medina-1918315", "license_check": { "state": "NC", "confidence": "lender_reported", "eligible": true, "label": "NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-14", "source_url": "https://www.uhm.com/loan-officers/denise-medina/" } }, { "rank": 6, "score": 33.3, "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)", "NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "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": "NC", "confidence": "lender_reported", "eligible": true, "label": "NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-15", "source_url": "https://www.themortgagelink.com/loan-officer/jorge-posada" } }, { "rank": 7, "score": 33.3, "loan_officer": { "nmls_id": 310820, "slug": "john-harrison-310820", "full_name": "John Harrison", "licensed_names": [ { "name": "John Harrison", "name_with_middle_initial": "John A. Harrison", "first_name": "John", "middle_initial": "A", "last_name": "Harrison", "states": [ "FL", "MD" ], "source": "state_regulator", "as_of": "2026-10-26" } ], "canonical_url": "https://lendb.ai/lo/john-harrison-310820", "json_url": "https://lendb.ai/lo/john-harrison-310820.json", "lender": { "nmls_id": 1598647, "name": "Guaranteed Rate Affinity, LLC", "slug": "guaranteed-rate-affinity-llc-1598647", "canonical_url": "https://lendb.ai/lender/guaranteed-rate-affinity-llc-1598647", "type": "imb" }, "branch": { "city": "Murray", "state": "UT" }, "headshot_url": "https://a.mktgcdn.com/p/wVyuj6ORkIh64514jj-2iiuDlcYYK4kQQMwNvWELuOw/191x275.jpg", "licensed_states": [ "FL", "AK", "ID", "MD", "NC", "TN", "UT", "VA" ], "licenses": [ { "state": "AK", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "ID", "confidence": "lender_reported" }, { "state": "MD", "confidence": "confirmed" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "UT", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [ "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": "2026-06-03", "state": "FL" }, "licensed_since": { "year": 2026, "state": "FL" }, "years_experience": 29, "lender_profile_url": "https://www.grarate.com/loan-officers/john-harrison-310820", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Spanish (lender page, verified 2026-10-15)", "NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: June 3, 2026 (Florida), per state regulator", "States 29 years of experience (lender page, 2026-10-15)" ], "canonical_url": "https://lendb.ai/lo/john-harrison-310820", "license_check": { "state": "NC", "confidence": "lender_reported", "eligible": true, "label": "NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-15", "source_url": "https://www.grarate.com/loan-officers/john-harrison-310820" } }, { "rank": 8, "score": 33.3, "loan_officer": { "nmls_id": 661857, "slug": "luis-kercado-661857", "full_name": "Luis Kercado", "licensed_names": [ { "name": "Luis Kercado", "name_with_middle_initial": "Luis E. Kercado", "first_name": "Luis", "middle_initial": "E", "last_name": "Kercado", "states": [ "CO", "FL", "TX" ], "source": "state_regulator", "as_of": "2026-10-12" } ], "canonical_url": "https://lendb.ai/lo/luis-kercado-661857", "json_url": "https://lendb.ai/lo/luis-kercado-661857.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": "Tequesta", "state": "FL" }, "headshot_url": "https://thevault.ccm.com/m/41c330a941961eee/Website-3939_Kercado_661857.jpg", "licensed_states": [ "FL", "CO", "TX", "WI", "GA", "KY", "MS", "NC", "SC", "VA" ], "licenses": [ { "state": "CO", "confidence": "confirmed" }, { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "KY", "confidence": "lender_reported" }, { "state": "MS", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "SC", "confidence": "lender_reported" }, { "state": "TX", "confidence": "confirmed" }, { "state": "VA", "confidence": "lender_reported" }, { "state": "WI", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [ "en", "es" ], "specialties": [ { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "refinance", "evidence": "lender_page_text" }, { "slug": "heloc", "evidence": "lender_page_text" } ], "lender_offers": [ "condo", "condo-non-warrantable", "construction", "down-payment-assistance", "dscr", "first-time-buyer", "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": "2025-01-22", "state": "CO" }, "licensed_since": { "year": 2025, "state": "CO" }, "years_experience": 20, "lender_profile_url": "https://crosscountrymortgage.com/tequesta-fl-3939/luis-kercado/", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Spanish (lender page, verified 2026-10-26)", "NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: January 22, 2025 (Colorado), per state regulator", "States 20 years of experience (lender page, 2026-10-26)" ], "canonical_url": "https://lendb.ai/lo/luis-kercado-661857", "license_check": { "state": "NC", "confidence": "lender_reported", "eligible": true, "label": "NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-26", "source_url": "https://crosscountrymortgage.com/tequesta-fl-3939/luis-kercado/" } }, { "rank": 9, "score": 33.3, "loan_officer": { "nmls_id": 898712, "slug": "gina-myers-898712", "full_name": "Gina Myers", "canonical_url": "https://lendb.ai/lo/gina-myers-898712", "json_url": "https://lendb.ai/lo/gina-myers-898712.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": "Fairfax", "state": "VA" }, "headshot_url": "https://thevault.ccm.com/asset/73d9fd0e-1b67-422f-a9fc-7f29c681c447/Website/2618_Myers_898712-jpg.jpg", "licensed_states": [ "DC", "DE", "MD", "NC", "VA" ], "licenses": [ { "state": "DC", "confidence": "lender_reported" }, { "state": "DE", "confidence": "confirmed" }, { "state": "MD", "confidence": "confirmed" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [ "en", "es" ], "specialties": [ { "slug": "non-qm", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "lender_offers": [ "condo", "condo-non-warrantable", "construction", "down-payment-assistance", "dscr", "fha", "heloc", "investor", "jumbo", "physician", "refinance", "renovation", "reverse", "rural", "self-employed", "usda" ], "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://crosscountrymortgage.com/fairfax-va-2618/gina-myers/", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Spanish (lender page, verified 2026-10-09)", "NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "States 25 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/gina-myers-898712", "license_check": { "state": "NC", "confidence": "lender_reported", "eligible": true, "label": "NC 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/fairfax-va-2618/gina-myers/" } }, { "rank": 10, "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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Federally registered MLOs aren't state-licensed; verify at NMLS", "verified_at": "2026-10-21", "source_url": null } }, { "rank": 22, "score": 31, "loan_officer": { "nmls_id": 17247, "slug": "david-e-aponte-17247", "full_name": "David E Aponte", "canonical_url": "https://lendb.ai/lo/david-e-aponte-17247", "json_url": "https://lendb.ai/lo/david-e-aponte-17247.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": "Huntersville", "state": "NC" }, "headshot_url": "http://a.mktgcdn.com/p/BuR2f0MjnVKBk5GDjO-J9ZKGgka5_YvdrYLmqudmf1w/336x503.jpg", "licensed_states": [], "licenses": [], "federal_registration_likely": true, "languages": [ "es" ], "specialties": [ { "slug": "va", "evidence": "lender_page_text" }, { "slug": "vacation-home", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "self-employed", "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/nc/huntersville/8830-lindholm-dr-hla-17247", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Spanish (lender page, verified 2026-10-26)", "Office in Huntersville, NC", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS" ], "canonical_url": "https://lendb.ai/lo/david-e-aponte-17247", "license_check": { "state": "NC", "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": 23, "score": 31, "loan_officer": { "nmls_id": 334316, "slug": "ernest-sigala-334316", "full_name": "Ernest Sigala", "canonical_url": "https://lendb.ai/lo/ernest-sigala-334316", "json_url": "https://lendb.ai/lo/ernest-sigala-334316.json", "lender": { "nmls_id": 399803, "name": "Truist Bank", "slug": "truist-399803", "canonical_url": "https://lendb.ai/lender/truist-399803", "type": "bank" }, "branch": { "city": "Chapel Hill", "state": "NC" }, "headshot_url": "https://www.truist.com/content/dam/profiles/rep/S/Sigala.Ernest.jpg", "licensed_states": [], "licenses": [], "federal_registration_likely": true, "languages": [ "en", "es" ], "specialties": [ { "slug": "va", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "refinance", "evidence": "lender_page_text" } ], "lender_offers": [ "construction", "down-payment-assistance", "fha", "heloc", "jumbo", "low-credit", "new-construction", "physician", "renovation", "usda" ], "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.truist.com/finder/mortgage/ernest-sigala-mortgage-loan-officer-chapel-hill-nc-27517", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Spanish (lender page, verified 2026-10-21)", "Office in Chapel Hill, NC", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS" ], "canonical_url": "https://lendb.ai/lo/ernest-sigala-334316", "license_check": { "state": "NC", "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": 24, "score": 31, "loan_officer": { "nmls_id": 1709868, "slug": "george-treminio-1709868", "full_name": "George Treminio", "canonical_url": "https://lendb.ai/lo/george-treminio-1709868", "json_url": "https://lendb.ai/lo/george-treminio-1709868.json", "lender": { "nmls_id": 399803, "name": "Truist Bank", "slug": "truist-399803", "canonical_url": "https://lendb.ai/lender/truist-399803", "type": "bank" }, "branch": { "city": "Lumberton", "state": "NC" }, "headshot_url": "https://www.truist.com/content/dam/profiles/rep/G/G56385_George_Treminio.jpg", "licensed_states": [], "licenses": [], "federal_registration_likely": true, "languages": [ "en", "es" ], "specialties": [ { "slug": "va", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "refinance", "evidence": "lender_page_text" } ], "lender_offers": [ "construction", "down-payment-assistance", "fha", "heloc", "jumbo", "low-credit", "new-construction", "physician", "renovation", "usda" ], "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.truist.com/finder/mortgage/george-treminio-mortgage-loan-officer-lumberton-nc-28358", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Spanish (lender page, verified 2026-10-21)", "Office in Lumberton, NC", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS" ], "canonical_url": "https://lendb.ai/lo/george-treminio-1709868", "license_check": { "state": "NC", "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": 25, "score": 31, "loan_officer": { "nmls_id": 2150974, "slug": "josue-carbajal-2150974", "full_name": "Josue Carbajal", "canonical_url": "https://lendb.ai/lo/josue-carbajal-2150974", "json_url": "https://lendb.ai/lo/josue-carbajal-2150974.json", "lender": { "nmls_id": 399803, "name": "Truist Bank", "slug": "truist-399803", "canonical_url": "https://lendb.ai/lender/truist-399803", "type": "bank" }, "branch": { "city": "Greensboro", "state": "NC" }, "headshot_url": "https://www.truist.com/content/dam/profiles/rep/C/Carbajal.Josue.jpg", "licensed_states": [], "licenses": [], "federal_registration_likely": true, "languages": [ "en", "es" ], "specialties": [ { "slug": "physician", "evidence": "lender_page_text" }, { "slug": "refinance", "evidence": "lender_page_text" } ], "lender_offers": [ "construction", "down-payment-assistance", "fha", "first-time-buyer", "heloc", "jumbo", "low-credit", "new-construction", "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://www.truist.com/finder/mortgage/josue-a-carbajal-direct-loan-officer-greensboro-nc-27409", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Spanish (lender page, verified 2026-10-21)", "Office in Greensboro, NC", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS" ], "canonical_url": "https://lendb.ai/lo/josue-carbajal-2150974", "license_check": { "state": "NC", "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 } } ] }