---
canonical_url: https://lendb.ai/lo/chuck-espinoza-1153841
json_url: https://lendb.ai/lo/chuck-espinoza-1153841.json
nmls_id: 1153841
last_verified: 2026-10-09
---

# Chuck Espinoza

Loan Officer at Guild Mortgage, San Antonio, TX. NMLS ID 1153841 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1153841)).

**Summary:** Chuck Espinoza (NMLS 1153841) is Loan Officer at Guild Mortgage, based in San Antonio, TX. Lists Texas on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: FHA loan and Down payment assistance. Speaks Spanish. States 32 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): 32 (source: https://branches.guildmortgage.com/tx/sanantonio/chuck-espinoza-872-aples.html, verified 2026-10-09)
- Licensed in: Texas (TX, 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

- **FHA loan** (`fha`): lender page, confidence 0.70, verified 2026-10-09. Source: https://branches.guildmortgage.com/tx/sanantonio/chuck-espinoza-872-aples.html
- **Down payment assistance** (`down-payment-assistance`): lender page, confidence 0.24, verified 2026-10-09. Source: https://branches.guildmortgage.com/tx/sanantonio/chuck-espinoza-872-aples.html

## About

Chuck has over 32 years of mortgage experience including processing, underwriting, operations, compliance, and closing. Fluent in English and Spanish, they have called San Antonio home for over 25 years.

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

## Facts from the lender page and intro

- years_experience: 32. Source: https://branches.guildmortgage.com/tx/sanantonio/chuck-espinoza-872-aples.html, verified 2026-10-09.
- service_area: Born and raised in Laredo; San Antonio resident for over 25 years. Source: https://branches.guildmortgage.com/tx/sanantonio/chuck-espinoza-872-aples.html, verified 2026-10-09.
- role: Experience in processing, underwriting, operations, compliance, and closing. Source: https://branches.guildmortgage.com/tx/sanantonio/chuck-espinoza-872-aples.html, verified 2026-10-09.

## Licenses

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

## Employment history

- ? to present: Guild Mortgage (NMLS 3274), San Antonio, TX. Source: https://branches.guildmortgage.com/tx/sanantonio/chuck-espinoza-872-aples.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/1153841

## Contact

- View profile at Guild Mortgage: https://branches.guildmortgage.com/tx/sanantonio/chuck-espinoza-872-aples.html
- Office phone and Email on file: shown at https://lendb.ai/lo/chuck-espinoza-1153841#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1153841
- lender_site: https://branches.guildmortgage.com/tx/sanantonio/chuck-espinoza-872-aples.html

Cite as: Chuck Espinoza (NMLS 1153841), Guild Mortgage. LenDb.ai, https://lendb.ai/lo/chuck-espinoza-1153841, last verified 2026-10-09.

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