---
canonical_url: https://lendb.ai/lo/cristina-espinoza-1880146
json_url: https://lendb.ai/lo/cristina-espinoza-1880146.json
nmls_id: 1880146
last_verified: 2026-10-09
---

# Cristina Espinoza

Home Mortgage Consultant, Military Lending Specialist at Wells Fargo Home Mortgage, Tempe, AZ. NMLS ID 1880146 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1880146)).

**Summary:** Cristina Espinoza (NMLS 1880146) is Home Mortgage Consultant, Military Lending Specialist at Wells Fargo Home Mortgage, based in Tempe, AZ. Works at a bank, so likely federally registered: Federally registered MLOs aren't state-licensed; verify at NMLS. Focus areas shown on the lender page: VA loan. 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: 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: not listed
- Profile: unclaimed
- Status: active

## Specialties

- **VA loan** (`va`): lender page, confidence 0.85, verified 2026-10-09. Source: https://homeloans.wellsfargo.com/mortgage/az/tempe/cristina-espinoza

## Licenses

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

## Employment history

- ? to present: Wells Fargo Home Mortgage (NMLS 399801), Tempe, AZ. Source: https://homeloans.wellsfargo.com/mortgage/az/tempe/cristina-espinoza, 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/1880146

## Contact

- View profile at Wells Fargo Home Mortgage: https://homeloans.wellsfargo.com/mortgage/az/tempe/cristina-espinoza
- Office phone and Email on file: shown at https://lendb.ai/lo/cristina-espinoza-1880146#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1880146
- lender_site: https://homeloans.wellsfargo.com/mortgage/az/tempe/cristina-espinoza

Cite as: Cristina Espinoza (NMLS 1880146), Wells Fargo Home Mortgage. LenDb.ai, https://lendb.ai/lo/cristina-espinoza-1880146, last verified 2026-10-09.

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