---
canonical_url: https://lendb.ai/lo/cari-zepeda-1939523
json_url: https://lendb.ai/lo/cari-zepeda-1939523.json
nmls_id: 1939523
last_verified: 2026-10-09
---

# Cari Zepeda

Loan Officer at Guild Mortgage, Aurora, IL. NMLS ID 1939523 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1939523)).

**Summary:** Cari Zepeda (NMLS 1939523) is Loan Officer at Guild Mortgage, based in Aurora, IL. Licensed in Florida, confirmed with the state regulator (license LO94870). Also lists Arizona, Georgia, Illinois, Indiana, Kentucky, Michigan, Ohio, Tennessee and 2 more on the lender page (not yet checked with the state regulator). Earliest state license record: September 21, 2021 (Florida), per state regulator. Last verified 2026-10-09.

## At a glance

- Earliest state license record: September 21, 2021 (Florida), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Licensed in: Florida (FL, confirmed), Arizona (AZ, lender_reported), Georgia (GA, lender_reported), Illinois (IL, lender_reported), Indiana (IN, lender_reported), Kentucky (KY, lender_reported), Michigan (MI, lender_reported), Ohio (OH, lender_reported), Tennessee (TN, lender_reported), Texas (TX, lender_reported), Wisconsin (WI, lender_reported)
- License confidence: confirmed = state regulator roster; lender_reported = listed on the lender page only; federal_registration = inferred from a bank or credit union employer.
- Languages: not listed
- Profile: unclaimed
- Status: active

## Specialties


## About

Cari began as a Mortgage Loan Originator in 2020 and is passionate about helping clients achieve homeownership. She analyzes each client's situation holistically to offer mortgage products that fit their needs.

Source: LenDb summary of the lender page, verified 2026-10-09.

## Facts from the lender page and intro

- years_experience: since 2020. Source: https://branches.guildmortgage.com/il/aurora/cari-zepeda-119-ctcz.html, verified 2026-10-09.
- credential: 2025 Rising Star Award. Source: https://branches.guildmortgage.com/il/aurora/cari-zepeda-119-ctcz.html, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO94870 | active | confirmed | 2021-09-21 | state_regulator | 2026-10-09 |
| AZ | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| GA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| IL | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| IN | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| KY | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| MI | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| OH | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| TN | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| TX | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| WI | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: Guild Mortgage (NMLS 3274), Aurora, IL. Source: https://branches.guildmortgage.com/il/aurora/cari-zepeda-119-ctcz.html, verified 2026-10-09.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1939523

## Contact

- linkedin_url: https://www.linkedin.com/in/cari-z-11207914/ (source: lender_site, verified 2026-10-09)
- View profile at Guild Mortgage: https://branches.guildmortgage.com/il/aurora/cari-zepeda-119-ctcz.html
- Office phone and Email on file: shown at https://lendb.ai/lo/cari-zepeda-1939523#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1939523
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip
- lender_site: https://branches.guildmortgage.com/il/aurora/cari-zepeda-119-ctcz.html

Cite as: Cari Zepeda (NMLS 1939523), Guild Mortgage. LenDb.ai, https://lendb.ai/lo/cari-zepeda-1939523, last verified 2026-10-09.

_Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._