{ "canonical_url": "https://lendb.ai/lang/es/texas", "summary": "As of 2026-10-26, LenDb lists 168 loan officers licensed in or based in Texas whose lender pages say they speak Spanish. The top-ranked are Antonio Gutierrez (Loan Factory), Margot De La Paz (Guild Mortgage, San Antonio) and Robert Nunez (Guild Mortgage, Dallas). Ranking is lender-neutral: a license in TX, 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": "TX", "total": 168, "last_verified": "2026-10-26", "results": [ { "rank": 1, "score": 47, "loan_officer": { "nmls_id": 722537, "slug": "antonio-gutierrez-722537", "full_name": "Antonio Gutierrez", "licensed_names": [ { "name": "Luis Gutierrez", "name_with_middle_initial": "Luis A. Gutierrez", "first_name": "Luis", "middle_initial": "A", "last_name": "Gutierrez", "states": [ "TX" ], "source": "state_regulator", "as_of": "2026-10-12" } ], "canonical_url": "https://lendb.ai/lo/antonio-gutierrez-722537", "json_url": "https://lendb.ai/lo/antonio-gutierrez-722537.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": "TX" }, "headshot_url": "https://lh3.googleusercontent.com/A0zptCMRsZyhmUXxUvHSoj37EH0fzPFT1qdFl6pRypAppFHBOqmcMWF1YnUd1GbCdqpFJtFiNe6XinZKnUCwUYc7bcbqM3kVO_o", "licensed_states": [ "TX" ], "licenses": [ { "state": "TX", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [ "en", "es" ], "specialties": [ { "slug": "asset-based", "evidence": "lender_page_text" }, { "slug": "bank-statement", "evidence": "lender_page_text" }, { "slug": "construction", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "foreign-national", "evidence": "lender_page_text" }, { "slug": "heloc", "evidence": "lender_page_text" }, { "slug": "itin", "evidence": "lender_page_text" }, { "slug": "self-employed", "evidence": "lender_page_text" }, { "slug": "usda", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "dscr", "evidence": "lender_page_text" } ], "lender_offers": [], "years_licensed": null, "earliest_license_record": { "date": "2017-05-17", "state": "TX" }, "licensed_since": { "year": 2017, "state": "TX" }, "years_experience": 20, "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/antonio-gutierrez-722537", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Spanish (lender page, verified 2026-10-09)", "Office in Texas", "Licensed in TX: confirmed with the Texas regulator, verified 2026-10-13", "Earliest state license record: May 17, 2017 (Texas), per state regulator", "States 20 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/antonio-gutierrez-722537", "license_check": { "state": "TX", "confidence": "confirmed", "eligible": true, "label": "Licensed in TX: confirmed with the Texas regulator, verified 2026-10-13", "verified_at": "2026-10-13", "source_url": "https://www.sml.texas.gov/" } }, { "rank": 2, "score": 46.5, "loan_officer": { "nmls_id": 177080, "slug": "margot-de-la-paz-177080", "full_name": "Margot De La Paz", "licensed_names": [ { "name": "Margot DeLaPaz", "name_with_middle_initial": "Margot A. DeLaPaz", "first_name": "Margot", "middle_initial": "A", "last_name": "DeLaPaz", "states": [ "TX" ], "source": "state_regulator", "as_of": "2026-10-12" } ], "canonical_url": "https://lendb.ai/lo/margot-de-la-paz-177080", "json_url": "https://lendb.ai/lo/margot-de-la-paz-177080.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": "San Antonio", "state": "TX" }, "headshot_url": "https://www.guildmortgage.com/lib/uploads/officers/profile-photos/chmde-margot-de-la-paz.jpg", "licensed_states": [ "TX" ], "licenses": [ { "state": "TX", "confidence": "confirmed" } ], "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": { "date": "2012-03-16", "state": "TX" }, "licensed_since": { "year": 2012, "state": "TX" }, "years_experience": 30, "lender_profile_url": "https://branches.guildmortgage.com/tx/sanantonio/margot-de-la-paz-932-chmde.html", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Spanish (lender page, verified 2026-10-26)", "Office in San Antonio, TX", "Licensed in TX: confirmed with the Texas regulator, verified 2026-10-13", "Earliest state license record: March 16, 2012 (Texas), per state regulator", "States 30 years of experience (lender page, 2026-10-26)" ], "canonical_url": "https://lendb.ai/lo/margot-de-la-paz-177080", "license_check": { "state": "TX", "confidence": "confirmed", "eligible": true, "label": "Licensed in TX: confirmed with the Texas regulator, verified 2026-10-13", "verified_at": "2026-10-13", "source_url": "https://www.sml.texas.gov/" } }, { "rank": 3, "score": 46.5, "loan_officer": { "nmls_id": 307169, "slug": "robert-nunez-307169", "full_name": "Robert Nunez", "licensed_names": [ { "name": "Robert Nunez", "name_with_middle_initial": "Robert C. Nunez", "first_name": "Robert", "middle_initial": "C", "last_name": "Nunez", "states": [ "TX" ], "source": "state_regulator", "as_of": "2026-10-12" } ], "canonical_url": "https://lendb.ai/lo/robert-nunez-307169", "json_url": "https://lendb.ai/lo/robert-nunez-307169.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": "Dallas", "state": "TX" }, "headshot_url": "https://www.guildmortgage.com/lib/uploads/officers/profile-photos/aprnu-robert-nunez.jpg", "licensed_states": [ "TX", "LA", "OK" ], "licenses": [ { "state": "LA", "confidence": "lender_reported" }, { "state": "OK", "confidence": "lender_reported" }, { "state": "TX", "confidence": "confirmed" } ], "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": "2008-06-11", "state": "TX" }, "licensed_since": { "year": 2008, "state": "TX" }, "years_experience": 20, "lender_profile_url": "https://branches.guildmortgage.com/tx/dallas/robert-nunez-890-aprnu.html", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Spanish (lender page, verified 2026-10-20)", "Office in Dallas, TX", "Licensed in TX: confirmed with the Texas regulator, verified 2026-10-13", "Earliest state license record: June 11, 2008 (Texas), per state regulator", "States 20 years of experience (lender page, 2026-10-20)" ], "canonical_url": "https://lendb.ai/lo/robert-nunez-307169", "license_check": { "state": "TX", "confidence": "confirmed", "eligible": true, "label": "Licensed in TX: confirmed with the Texas regulator, verified 2026-10-13", "verified_at": "2026-10-13", "source_url": "https://www.sml.texas.gov/" } }, { "rank": 4, "score": 46.5, "loan_officer": { "nmls_id": 1153841, "slug": "chuck-espinoza-1153841", "full_name": "Chuck Espinoza", "canonical_url": "https://lendb.ai/lo/chuck-espinoza-1153841", "json_url": "https://lendb.ai/lo/chuck-espinoza-1153841.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": "San Antonio", "state": "TX" }, "headshot_url": "https://www.guildmortgage.com/lib/uploads/officers/profile-photos/aples-chuck-espinoza.jpg", "licensed_states": [ "TX" ], "licenses": [ { "state": "TX", "confidence": "confirmed" } ], "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": { "date": "2016-10-06", "state": "TX" }, "licensed_since": { "year": 2016, "state": "TX" }, "years_experience": 32, "lender_profile_url": "https://branches.guildmortgage.com/tx/sanantonio/chuck-espinoza-872-aples.html", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Spanish (lender page, verified 2026-10-26)", "Office in San Antonio, TX", "Licensed in TX: confirmed with the Texas regulator, verified 2026-10-13", "Earliest state license record: October 6, 2016 (Texas), per state regulator", "States 32 years of experience (lender page, 2026-10-26)" ], "canonical_url": "https://lendb.ai/lo/chuck-espinoza-1153841", "license_check": { "state": "TX", "confidence": "confirmed", "eligible": true, "label": "Licensed in TX: confirmed with the Texas regulator, verified 2026-10-13", "verified_at": "2026-10-13", "source_url": "https://www.sml.texas.gov/" } }, { "rank": 5, "score": 46.3, "loan_officer": { "nmls_id": 300007, "slug": "gerardo-diaz-300007", "full_name": "Gerardo Jose Diaz", "canonical_url": "https://lendb.ai/lo/gerardo-diaz-300007", "json_url": "https://lendb.ai/lo/gerardo-diaz-300007.json", "lender": { "nmls_id": 3116, "name": "SecurityNational Mortgage Company", "slug": "securitynational-mortgage-company-3116", "canonical_url": "https://lendb.ai/lender/securitynational-mortgage-company-3116", "type": "imb" }, "branch": { "city": "The Woodlands", "state": "TX" }, "headshot_url": "https://listings-manager-images.s3.us-east-1.amazonaws.com/mortgage.snmc.com/domain/Profile_Pic-2__1719418490034.jpg", "licensed_states": [ "TX" ], "licenses": [ { "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": "2003-02-18", "state": "TX" }, "licensed_since": { "year": 2003, "state": "TX" }, "years_experience": null, "lender_profile_url": "https://mortgage.snmc.com/tx/thewoodlands/gerardo-jose-diaz-300007.html", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Spanish (lender page, verified 2026-10-15)", "Office in The Woodlands, TX", "Licensed in TX: confirmed with the Texas regulator, verified 2026-10-13", "Earliest state license record: February 18, 2003 (Texas), per state regulator" ], "canonical_url": "https://lendb.ai/lo/gerardo-diaz-300007", "license_check": { "state": "TX", "confidence": "confirmed", "eligible": true, "label": "Licensed in TX: confirmed with the Texas regulator, verified 2026-10-13", "verified_at": "2026-10-13", "source_url": "https://www.sml.texas.gov/" } }, { "rank": 6, "score": 46.3, "loan_officer": { "nmls_id": 316548, "slug": "luis-escobar-316548", "full_name": "Luis Escobar", "licensed_names": [ { "name": "Luis Escobar", "name_with_middle_initial": "Luis A. Escobar", "first_name": "Luis", "middle_initial": "A", "last_name": "Escobar", "states": [ "TX" ], "source": "state_regulator", "as_of": "2026-10-12" } ], "canonical_url": "https://lendb.ai/lo/luis-escobar-316548", "json_url": "https://lendb.ai/lo/luis-escobar-316548.json", "lender": { "nmls_id": 292897, "name": "Cornerstone First Mortgage", "slug": "cornerstone-first-mortgage-292897", "canonical_url": "https://lendb.ai/lender/cornerstone-first-mortgage-292897", "type": "imb" }, "branch": { "city": "Katy", "state": "TX" }, "headshot_url": "https://encompasslending.com/wp-content/uploads/2021/04/Luis-Escobar-pict.png", "licensed_states": [ "TX" ], "licenses": [ { "state": "TX", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [ "en", "es" ], "specialties": [], "lender_offers": [ "fha", "first-time-buyer", "heloc", "investor", "jumbo", "low-credit", "renovation", "reverse", "self-employed", "usda", "va" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2006-09-22", "state": "TX" }, "licensed_since": { "year": 2006, "state": "TX" }, "years_experience": null, "lender_profile_url": "https://encompasslending.com/lescobar/", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Spanish (lender page, verified 2026-10-15)", "Office in Katy, TX", "Licensed in TX: confirmed with the Texas regulator, verified 2026-10-13", "Earliest state license record: September 22, 2006 (Texas), per state regulator" ], "canonical_url": "https://lendb.ai/lo/luis-escobar-316548", "license_check": { "state": "TX", "confidence": "confirmed", "eligible": true, "label": "Licensed in TX: confirmed with the Texas regulator, verified 2026-10-13", "verified_at": "2026-10-13", "source_url": "https://www.sml.texas.gov/" } }, { "rank": 7, "score": 46.3, "loan_officer": { "nmls_id": 318752, "slug": "hernan-valladares-318752", "full_name": "Hernan Valladares", "canonical_url": "https://lendb.ai/lo/hernan-valladares-318752", "json_url": "https://lendb.ai/lo/hernan-valladares-318752.json", "lender": { "nmls_id": 3116, "name": "SecurityNational Mortgage Company", "slug": "securitynational-mortgage-company-3116", "canonical_url": "https://lendb.ai/lender/securitynational-mortgage-company-3116", "type": "imb" }, "branch": { "city": "Katy", "state": "TX" }, "headshot_url": "https://listings-manager-images.s3.us-east-1.amazonaws.com/mortgage.snmc.com/domain/Profile_Pic-9__1687451588820.jpg", "licensed_states": [ "TX" ], "licenses": [ { "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": "2004-06-02", "state": "TX" }, "licensed_since": { "year": 2004, "state": "TX" }, "years_experience": null, "lender_profile_url": "https://mortgage.snmc.com/tx/katy/hernan-valladares-318752.html", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Spanish (lender page, verified 2026-10-15)", "Office in Katy, TX", "Licensed in TX: confirmed with the Texas regulator, verified 2026-10-13", "Earliest state license record: June 2, 2004 (Texas), per state regulator" ], "canonical_url": "https://lendb.ai/lo/hernan-valladares-318752", "license_check": { "state": "TX", "confidence": "confirmed", "eligible": true, "label": "Licensed in TX: confirmed with the Texas regulator, verified 2026-10-13", "verified_at": "2026-10-13", "source_url": "https://www.sml.texas.gov/" } }, { "rank": 8, "score": 46.3, "loan_officer": { "nmls_id": 1280113, "slug": "jaime-dejesus-1280113", "full_name": "Jaime Dejesus", "canonical_url": "https://lendb.ai/lo/jaime-dejesus-1280113", "json_url": "https://lendb.ai/lo/jaime-dejesus-1280113.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": "Grand Prairie", "state": "TX" }, "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_5866_Jaime_Dejesus_1791468076", "licensed_states": [ "FL", "CO", "LA", "TX", "AL", "AR", "CA", "IA", "KS", "KY", "MD", "MT", "OK", "TN" ], "licenses": [ { "state": "AL", "confidence": "lender_reported" }, { "state": "AR", "confidence": "confirmed" }, { "state": "CA", "confidence": "confirmed" }, { "state": "CO", "confidence": "confirmed" }, { "state": "FL", "confidence": "confirmed" }, { "state": "IA", "confidence": "confirmed" }, { "state": "KS", "confidence": "lender_reported" }, { "state": "KY", "confidence": "lender_reported" }, { "state": "LA", "confidence": "confirmed" }, { "state": "MD", "confidence": "confirmed" }, { "state": "MT", "confidence": "lender_reported" }, { "state": "OK", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "TX", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [ "es" ], "specialties": [ { "slug": "va", "evidence": "lender_page_text" } ], "lender_offers": [ "down-payment-assistance", "fha", "first-time-buyer", "heloc", "investor", "jumbo", "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": "2018-02-10", "state": "TX" }, "licensed_since": { "year": 2018, "state": "TX" }, "years_experience": 25, "lender_profile_url": "https://www.cmghomeloans.com/mysite/jaime-dejesus", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Spanish (lender page, verified 2026-10-20)", "Office in Grand Prairie, TX", "Licensed in TX: confirmed with the Texas regulator, verified 2026-10-13", "Earliest state license record: February 10, 2018 (Texas), per state regulator", "States 25 years of experience (lender page, 2026-10-20)" ], "canonical_url": "https://lendb.ai/lo/jaime-dejesus-1280113", "license_check": { "state": "TX", "confidence": "confirmed", "eligible": true, "label": "Licensed in TX: confirmed with the Texas regulator, verified 2026-10-13", "verified_at": "2026-10-13", "source_url": "https://www.sml.texas.gov/" } }, { "rank": 9, "score": 46, "loan_officer": { "nmls_id": 275265, "slug": "patty-porto-275265", "full_name": "Patty Porto", "canonical_url": "https://lendb.ai/lo/patty-porto-275265", "json_url": "https://lendb.ai/lo/patty-porto-275265.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": "Houston", "state": "TX" }, "headshot_url": "https://lh3.googleusercontent.com/HkPKwiWTq5eK8sSA8_XLyMPO4MY4WcKby4VANhIsiJ4cqrhEEQVARBFtSCvgM7KZZB-WXgGIkccbSF7G-ReaTbkuZQ5CAEnvaB84", "licensed_states": [ "TX" ], "licenses": [ { "state": "TX", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [ "en", "es" ], "specialties": [ { "slug": "renovation", "evidence": "lender_page_text" } ], "lender_offers": [], "years_licensed": null, "earliest_license_record": { "date": "2012-06-06", "state": "TX" }, "licensed_since": { "year": 2012, "state": "TX" }, "years_experience": 20, "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/patty-porto-275265", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Spanish (lender page, verified 2026-10-09)", "Office in Houston, TX", "Licensed in TX: confirmed with the Texas regulator, verified 2026-10-13", "Earliest state license record: June 6, 2012 (Texas), per state regulator", "States 20 years of experience (lender page, 2026-10-09)" ], 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