---
canonical_url: https://lendb.ai/lo/carlos-merancio-2802361
json_url: https://lendb.ai/lo/carlos-merancio-2802361.json
nmls_id: 2802361
last_verified: 2026-10-09
---

# Carlos Merancio

Loan Officer at Guild Mortgage, Spokane, WA. NMLS ID 2802361 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2802361)).

**Summary:** Carlos Merancio (NMLS 2802361) is Loan Officer at Guild Mortgage, based in Spokane, WA. Lists Arizona and Washington on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: First-time buyer, FHA loan, VA loan and Down payment assistance. Speaks Spanish. Last verified 2026-10-09.

## At a glance

- Licensed since: unknown (no state regulator record on file). This is license history on file, not total experience.
- Licensed in: Arizona (AZ, lender_reported), Washington (WA, 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: Spanish
- Profile: unclaimed
- Status: active

## Specialties

- **First-time buyer** (`first-time-buyer`): lender page, confidence 0.90, verified 2026-10-09. Source: https://branches.guildmortgage.com/wa/spokane/carlos-merancio-951-ewcme.html
- **FHA loan** (`fha`): lender page, confidence 0.70, verified 2026-10-09. Source: https://branches.guildmortgage.com/wa/spokane/carlos-merancio-951-ewcme.html
- **VA loan** (`va`): lender page, confidence 0.68, verified 2026-10-09. Source: https://branches.guildmortgage.com/wa/spokane/carlos-merancio-951-ewcme.html
- **Down payment assistance** (`down-payment-assistance`): lender page, confidence 0.24, verified 2026-10-09. Source: https://branches.guildmortgage.com/wa/spokane/carlos-merancio-951-ewcme.html

## About

Carlos Merancio is a professional soccer player and Finance student specializing in first-time homebuyers, Hispanic families, young professionals, and real estate investors across Spokane, Inland Northwest, and Arizona-Washington communities. He emphasizes wealth-building through smart homeownership and investment strategies.

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

## Facts from the lender page and intro

- service_area: Spokane, Washington; Inland Northwest; communities between Washington and Arizona. Source: https://branches.guildmortgage.com/wa/spokane/carlos-merancio-951-ewcme.html, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| AZ | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| WA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: Guild Mortgage (NMLS 3274), Spokane, WA. Source: https://branches.guildmortgage.com/wa/spokane/carlos-merancio-951-ewcme.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/2802361

## Contact

- linkedin_url: https://www.linkedin.com/in/carlos-merancio-a700a4179 (source: lender_site, verified 2026-10-09)
- View profile at Guild Mortgage: https://branches.guildmortgage.com/wa/spokane/carlos-merancio-951-ewcme.html
- Email on file: shown at https://lendb.ai/lo/carlos-merancio-2802361#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2802361
- lender_site: https://branches.guildmortgage.com/wa/spokane/carlos-merancio-951-ewcme.html

Cite as: Carlos Merancio (NMLS 2802361), Guild Mortgage. LenDb.ai, https://lendb.ai/lo/carlos-merancio-2802361, last verified 2026-10-09.

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