{
  "canonical_url": "https://lendb.ai/lang/es/rhode-island",
  "summary": "As of 2026-10-26, LenDb lists 10 loan officers licensed in or based in Rhode Island whose lender pages say they speak Spanish. The top-ranked are Michelle M. Carrasco (The Washington Trust Company, of Westerly, Warwick), Zuleem Garcia (Total Mortgage Services, Salem) and Monica Ross (The Washington Trust Company, of Westerly, Warwick). Ranking is lender-neutral: a license in RI, 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": "RI",
  "total": 10,
  "last_verified": "2026-10-26",
  "results": [
    {
      "rank": 1,
      "score": 34,
      "loan_officer": {
        "nmls_id": 931224,
        "slug": "michelle-carrasco-931224",
        "full_name": "Michelle M. Carrasco",
        "canonical_url": "https://lendb.ai/lo/michelle-carrasco-931224",
        "json_url": "https://lendb.ai/lo/michelle-carrasco-931224.json",
        "lender": {
          "nmls_id": 414726,
          "name": "The Washington Trust Company, of Westerly",
          "slug": "the-washington-trust-company-of-westerly-414726",
          "canonical_url": "https://lendb.ai/lender/the-washington-trust-company-of-westerly-414726",
          "type": "bank"
        },
        "branch": {
          "city": "Warwick",
          "state": "RI"
        },
        "headshot_url": "https://stdidwashtrustprod.blob.core.windows.net/washtrust/images/mortgage/_wide/Carrasco_Michelle_square.jpg",
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [
          "en",
          "es"
        ],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2020-03-09",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2020,
          "state": "FL"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.washtrust.com/application/michelle-m-carrasco",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-26)",
        "Office in Warwick, RI",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "Earliest state license record: March 9, 2020 (Florida), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/michelle-carrasco-931224",
      "license_check": {
        "state": "RI",
        "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": 2,
      "score": 32.8,
      "loan_officer": {
        "nmls_id": 2558713,
        "slug": "zuleem-garcia-2558713",
        "full_name": "Zuleem Garcia",
        "canonical_url": "https://lendb.ai/lo/zuleem-garcia-2558713",
        "json_url": "https://lendb.ai/lo/zuleem-garcia-2558713.json",
        "lender": {
          "nmls_id": 2764,
          "name": "Total Mortgage Services",
          "slug": "total-mortgage-services-2764",
          "canonical_url": "https://lendb.ai/lender/total-mortgage-services-2764",
          "type": "imb"
        },
        "branch": {
          "city": "Salem",
          "state": "NH"
        },
        "headshot_url": "https://www.totalmortgage.com/_next/image?url=https%3A%2F%2Fwww.totalmortgage.com%2Fstatic%2Fuploads%2Fheadshots%2FZuleem_Garcia_2558713%2FZuleem_Garcia_2558713_1764094148873_small.jpg&w=640&q=75",
        "licensed_states": [
          "FL",
          "MA",
          "NH",
          "PA",
          "RI"
        ],
        "licenses": [
          {
            "state": "FL",
            "confidence": "lender_reported"
          },
          {
            "state": "MA",
            "confidence": "confirmed"
          },
          {
            "state": "NH",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "lender_reported"
          },
          {
            "state": "RI",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "es"
        ],
        "specialties": [],
        "lender_offers": [
          "co-op",
          "construction",
          "fha",
          "heloc",
          "jumbo",
          "low-credit",
          "non-qm",
          "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": 23,
        "lender_profile_url": "https://www.totalmortgage.com/bankers/zuleem-garcia",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-21)",
        "RI listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "States 23 years of experience (lender page, 2026-10-21)"
      ],
      "canonical_url": "https://lendb.ai/lo/zuleem-garcia-2558713",
      "license_check": {
        "state": "RI",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "RI listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-21",
        "source_url": "https://www.totalmortgage.com/bankers/zuleem-garcia"
      }
    },
    {
      "rank": 3,
      "score": 30.5,
      "loan_officer": {
        "nmls_id": 2597031,
        "slug": "monica-ross-2597031",
        "full_name": "Monica Ross",
        "canonical_url": "https://lendb.ai/lo/monica-ross-2597031",
        "json_url": "https://lendb.ai/lo/monica-ross-2597031.json",
        "lender": {
          "nmls_id": 414726,
          "name": "The Washington Trust Company, of Westerly",
          "slug": "the-washington-trust-company-of-westerly-414726",
          "canonical_url": "https://lendb.ai/lender/the-washington-trust-company-of-westerly-414726",
          "type": "bank"
        },
        "branch": {
          "city": "Warwick",
          "state": "RI"
        },
        "headshot_url": "https://stdidwashtrustprod.blob.core.windows.net/washtrust/images/staff/_wide/Ross-Monica-2026-square.jpg",
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [
          "es"
        ],
        "specialties": [],
        "lender_offers": [],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": null,
        "lender_profile_url": "https://www.washtrust.com/application/monica-ross",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-26)",
        "Office in Warwick, RI",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS"
      ],
      "canonical_url": "https://lendb.ai/lo/monica-ross-2597031",
      "license_check": {
        "state": "RI",
        "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": 4,
      "score": 30,
      "loan_officer": {
        "nmls_id": 209052,
        "slug": "david-rodriguez-209052",
        "full_name": "David Rodriguez",
        "canonical_url": "https://lendb.ai/lo/david-rodriguez-209052",
        "json_url": "https://lendb.ai/lo/david-rodriguez-209052.json",
        "lender": {
          "nmls_id": 208516,
          "name": "Integrity Home Mortgage Corporation",
          "slug": "integrity-home-mortgage-corporation-208516",
          "canonical_url": "https://lendb.ai/lender/integrity-home-mortgage-corporation-208516",
          "type": "imb"
        },
        "branch": {
          "city": "Jersey Village",
          "state": "TX"
        },
        "headshot_url": null,
        "licensed_states": [
          "TX",
          "AL",
          "AR",
          "CO",
          "DC",
          "DE",
          "FL",
          "GA",
          "IA",
          "KY",
          "LA",
          "MA",
          "MD",
          "ME",
          "MI",
          "MN",
          "NC",
          "NH",
          "NJ",
          "NM",
          "OH",
          "OK",
          "PA",
          "RI",
          "SC",
          "TN",
          "UT",
          "VA",
          "WV"
        ],
        "licenses": [
          {
            "state": "AL",
            "confidence": "lender_reported"
          },
          {
            "state": "AR",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "lender_reported"
          },
          {
            "state": "DC",
            "confidence": "lender_reported"
          },
          {
            "state": "DE",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "lender_reported"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "IA",
            "confidence": "lender_reported"
          },
          {
            "state": "KY",
            "confidence": "lender_reported"
          },
          {
            "state": "LA",
            "confidence": "lender_reported"
          },
          {
            "state": "MA",
            "confidence": "lender_reported"
          },
          {
            "state": "MD",
            "confidence": "lender_reported"
          },
          {
            "state": "ME",
            "confidence": "lender_reported"
          },
          {
            "state": "MI",
            "confidence": "lender_reported"
          },
          {
            "state": "MN",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "NH",
            "confidence": "lender_reported"
          },
          {
            "state": "NJ",
            "confidence": "lender_reported"
          },
          {
            "state": "NM",
            "confidence": "lender_reported"
          },
          {
            "state": "OH",
            "confidence": "lender_reported"
          },
          {
            "state": "OK",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "lender_reported"
          },
          {
            "state": "RI",
            "confidence": "lender_reported"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          },
          {
            "state": "UT",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          },
          {
            "state": "WV",
            "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": "2010-09-02",
          "state": "TX"
        },
        "licensed_since": {
          "year": 2010,
          "state": "TX"
        },
        "years_experience": null,
        "lender_profile_url": "https://ihmcloans.com/david-rodriguez/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-15)",
        "RI listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: September 2, 2010 (Texas), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/david-rodriguez-209052",
      "license_check": {
        "state": "RI",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "RI listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-15",
        "source_url": "https://ihmcloans.com/david-rodriguez/"
      }
    },
    {
      "rank": 5,
      "score": 27.8,
      "loan_officer": {
        "nmls_id": 1485371,
        "slug": "sebastian-cordoba-1485371",
        "full_name": "Sebastian Cordoba",
        "canonical_url": "https://lendb.ai/lo/sebastian-cordoba-1485371",
        "json_url": "https://lendb.ai/lo/sebastian-cordoba-1485371.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": "Lexington",
          "state": "MA"
        },
        "headshot_url": "https://thevault.ccm.com/m/1381111c97b795fc/Website-4841_Cordoba_1485371.jpg",
        "licensed_states": [
          "FL",
          "CT",
          "MA",
          "NH",
          "RI"
        ],
        "licenses": [
          {
            "state": "CT",
            "confidence": "confirmed"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "MA",
            "confidence": "confirmed"
          },
          {
            "state": "NH",
            "confidence": "lender_reported"
          },
          {
            "state": "RI",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "es"
        ],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "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",
          "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": "2026-02-02",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2026,
          "state": "FL"
        },
        "years_experience": 9,
        "lender_profile_url": "https://crosscountrymortgage.com/lexington-ma-4841/sebastian-cordoba/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-22)",
        "RI listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: February 2, 2026 (Florida), per state regulator",
        "States 9 years of experience (lender page, 2026-10-22)"
      ],
      "canonical_url": "https://lendb.ai/lo/sebastian-cordoba-1485371",
      "license_check": {
        "state": "RI",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "RI 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/lexington-ma-4841/sebastian-cordoba/"
      }
    },
    {
      "rank": 6,
      "score": 26,
      "loan_officer": {
        "nmls_id": 1772379,
        "slug": "aury-gonzalez-1772379",
        "full_name": "Aury Gonzalez",
        "licensed_names": [
          {
            "name": "Aury Gonzalez",
            "name_with_middle_initial": "Aury Y. Gonzalez",
            "first_name": "Aury",
            "middle_initial": "Y",
            "last_name": "Gonzalez",
            "states": [
              "CT",
              "FL",
              "MA"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-26"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/aury-gonzalez-1772379",
        "json_url": "https://lendb.ai/lo/aury-gonzalez-1772379.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": "Maitland",
          "state": "FL"
        },
        "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_13024_Aury_Gonzalez",
        "licensed_states": [
          "FL",
          "CT",
          "MA",
          "NH",
          "RI"
        ],
        "licenses": [
          {
            "state": "CT",
            "confidence": "confirmed"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "MA",
            "confidence": "confirmed"
          },
          {
            "state": "NH",
            "confidence": "lender_reported"
          },
          {
            "state": "RI",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "es"
        ],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [
          "down-payment-assistance",
          "fha",
          "heloc",
          "investor",
          "jumbo",
          "low-credit",
          "new-construction",
          "renovation",
          "reverse",
          "usda",
          "va"
        ],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2019-01-17",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2019,
          "state": "FL"
        },
        "years_experience": 7,
        "lender_profile_url": "https://www.cmghomeloans.com/mysite/aury-gonzalez",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-20)",
        "RI listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: January 17, 2019 (Florida), per state regulator",
        "States 7 years of experience (lender page, 2026-10-20)"
      ],
      "canonical_url": "https://lendb.ai/lo/aury-gonzalez-1772379",
      "license_check": {
        "state": "RI",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "RI 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/aury-gonzalez"
      }
    },
    {
      "rank": 7,
      "score": 25.8,
      "loan_officer": {
        "nmls_id": 184664,
        "slug": "olga-laffitte-184664",
        "full_name": "Olga Laffitte",
        "licensed_names": [
          {
            "name": "Olga Laffitte",
            "name_with_middle_initial": "Olga M. Laffitte",
            "first_name": "Olga",
            "middle_initial": "M",
            "last_name": "Laffitte",
            "states": [
              "CT",
              "FL",
              "MA",
              "TX"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-26"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/olga-laffitte-184664",
        "json_url": "https://lendb.ai/lo/olga-laffitte-184664.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": "Peabody",
          "state": "MA"
        },
        "headshot_url": "https://thevault.ccm.com/asset/1fe387e0-902b-4adf-8cff-7a738d2e7521/Website/4822_Laffitte_184664.jpg",
        "licensed_states": [
          "FL",
          "CT",
          "TX",
          "MA",
          "NH",
          "RI"
        ],
        "licenses": [
          {
            "state": "CT",
            "confidence": "confirmed"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "MA",
            "confidence": "confirmed"
          },
          {
            "state": "NH",
            "confidence": "lender_reported"
          },
          {
            "state": "RI",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "es"
        ],
        "specialties": [
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [
          "condo",
          "condo-non-warrantable",
          "construction",
          "down-payment-assistance",
          "dscr",
          "fha",
          "first-time-buyer",
          "investor",
          "jumbo",
          "non-qm",
          "physician",
          "refinance",
          "renovation",
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      },
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      ],
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    },
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      "score": 24.3,
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        "json_url": "https://lendb.ai/lo/derick-andrade-2051827.json",
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        "headshot_url": "https://firsthome.com/wp-content/uploads/2020/12/Derick-Andrade-1-scaled.jpg",
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  ]
}