---
canonical_url: https://lendb.ai/lo/carmen-munoz-489036
json_url: https://lendb.ai/lo/carmen-munoz-489036.json
nmls_id: 489036
last_verified: 2026-10-09
---

# Carmen Munoz

Community Lending Officer at Bank of America, Sacramento, CA. NMLS ID 489036 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/489036)).

**Summary:** Carmen Munoz (NMLS 489036) is Community Lending Officer at Bank of America, based in Sacramento, CA. Works at a bank, so likely federally registered: Federally registered MLOs aren't state-licensed; verify at NMLS. Speaks Spanish. States 24 years of experience. 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.
- Years experience (stated by the LO): 24 (source: https://mortgage.bankofamerica.com/carmen-munoz2, verified 2026-10-09)
- Licensed in: no license list on file; check NMLS Consumer Access
- Federal registration: likely (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS.
- 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


## About

Carmen Munoz has 24 years of home loan experience and provides personal guidance on a wide range of home loan options.

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

## Facts from the lender page and intro

- years_experience: 24. Source: https://mortgage.bankofamerica.com/carmen-munoz2, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|

## Employment history

- ? to present: Bank of America (NMLS 399802), Sacramento, CA. Source: https://mortgage.bankofamerica.com/carmen-munoz2, 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/489036

## Contact

- View profile at Bank of America: https://mortgage.bankofamerica.com/carmen-munoz2
- Office phone on file: shown at https://lendb.ai/lo/carmen-munoz-489036#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/489036
- lender_site: https://mortgage.bankofamerica.com/carmen-munoz2

Cite as: Carmen Munoz (NMLS 489036), Bank of America. LenDb.ai, https://lendb.ai/lo/carmen-munoz-489036, last verified 2026-10-09.

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