---
canonical_url: https://lendb.ai/lo/david-cruz-225971
json_url: https://lendb.ai/lo/david-cruz-225971.json
nmls_id: 225971
last_verified: 2026-10-09
---

# Jeff Cruz

Branch Manager at Guild Mortgage, San Antonio, TX. NMLS ID 225971 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/225971)).

**Summary:** Jeff Cruz (NMLS 225971) is Branch Manager at Guild Mortgage, based in San Antonio, TX. Licensed in Florida, confirmed with the state regulator (license LO91426). Also lists Louisiana, Oklahoma and Texas on the lender page (not yet checked with the state regulator). Licensed since 2021 (per Florida records). States 30 years of experience. Last verified 2026-10-09.

## At a glance

- Licensed since 2021 (per Florida records). This is license history on file, not total experience.
- Years experience (stated by the LO): 30 (source: https://branches.guildmortgage.com/tx/sanantonio/jeffrey-cruz-932-chdcru.html, verified 2026-10-09)
- Licensed in: Florida (FL, confirmed), Louisiana (LA, lender_reported), Oklahoma (OK, lender_reported), 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: not listed
- Profile: unclaimed
- Status: active

## Specialties


## About

Jeff Cruz is a 30-year veteran Mortgage Advisor and Certified Mortgage and Liability Advisor, named Scotsman Guide Top Originator for 4 of the past 6 years. He takes a strategic approach to help clients understand cash flow, liabilities, tax planning and home equity.

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

## Facts from the lender page and intro

- years_experience: 30. Source: https://branches.guildmortgage.com/tx/sanantonio/jeffrey-cruz-932-chdcru.html, verified 2026-10-09.
- credential: Certified Mortgage and Liability Advisor. Source: https://branches.guildmortgage.com/tx/sanantonio/jeffrey-cruz-932-chdcru.html, verified 2026-10-09.
- credential: Scotsman Guide Top Originator in the United States for 4 out of the past 6 years. Source: https://branches.guildmortgage.com/tx/sanantonio/jeffrey-cruz-932-chdcru.html, verified 2026-10-09.
- community: Volunteer efforts with Food Bank, The Alzheimer's Association, Habitat for Humanity and Meals on Wheels. Source: https://branches.guildmortgage.com/tx/sanantonio/jeffrey-cruz-932-chdcru.html, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO91426 | active | confirmed | 2021-07-16 | state_regulator | 2026-10-09 |
| LA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| OK | 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 |

## Employment history

- ? to present: Guild Mortgage (NMLS 3274), San Antonio, TX. Source: https://branches.guildmortgage.com/tx/sanantonio/jeffrey-cruz-932-chdcru.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/225971

## Contact

- linkedin_url: https://www.linkedin.com/in/jeffrey-cruz-20a71515 (source: lender_site, verified 2026-10-09)
- View profile at Guild Mortgage: https://branches.guildmortgage.com/tx/sanantonio/jeffrey-cruz-932-chdcru.html
- Office phone and Email on file: shown at https://lendb.ai/lo/david-cruz-225971#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/225971
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip
- lender_site: https://branches.guildmortgage.com/tx/sanantonio/jeffrey-cruz-932-chdcru.html

Cite as: Jeff Cruz (NMLS 225971), Guild Mortgage. LenDb.ai, https://lendb.ai/lo/david-cruz-225971, last verified 2026-10-09.

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