--- canonical_url: https://lendb.ai/lo/ernesto-portillo-318951 json_url: https://lendb.ai/lo/ernesto-portillo-318951.json nmls_id: 318951 last_verified: 2026-10-21 --- # Ernesto Portillo Branch Manager at Bayshore Mortgage Funding, LLC. NMLS ID 318951 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/318951)). Ernesto Portillo (NMLS 318951) is a Branch Manager at Bayshore Mortgage Funding, LLC, licensed in Texas since 2014 and in Florida. Ernesto speaks English and Spanish and works at an FHA-approved lender, per HUD. **Summary:** Ernesto Portillo (NMLS 318951) is Branch Manager at Bayshore Mortgage Funding, LLC. Licensed in 2 states confirmed with state regulators: Florida and Texas. Also lists New Mexico on the lender page (not yet checked with the state regulator). Speaks English and Spanish. Earliest state license record: December 15, 2014 (Texas), per state regulator. States 20 years of experience. Last verified 2026-10-21. ## Quick answers ### Is Ernesto licensed in Florida? Yes. Florida regulator records list license LO112984 as active, first effective September 8, 2022 (verified 2026-10-15). LenDb has 2 other states on file for Ernesto. Source: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip. ### What lender does Ernesto work for, and is it FHA-approved? Bayshore Mortgage Funding, LLC, company NMLS 196858, per the lender's own site (verified 2026-10-21). Works at an FHA-approved lender, per HUD (HUD FHA data, loans endorsed through Aug 2026). Source: https://bayshoremortgagefunding.com/team-directory/ernesto-portillo/. ### What languages does Ernesto speak? English and Spanish, per their lender page (verified 2026-10-21). Source: https://bayshoremortgagefunding.com/team-directory/ernesto-portillo/. ### How long has Ernesto been licensed? The earliest state license record LenDb holds for Ernesto is from December 15, 2014 (Texas regulator). That is a record date from the rosters we hold, not proof of continuous licensure. Ernesto states 20 years of experience. Source: https://www.sml.texas.gov/. ## At a glance - Earliest state license record: December 15, 2014 (Texas), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience. - Years experience (stated by the LO): 20 (source: https://bayshoremortgagefunding.com/team-directory/ernesto-portillo/, verified 2026-10-21) - Also licensed as (state regulator records, same NMLS ID): Ernesto A. Portillo (FL, TX, as of 2026-10-12) - Licensed in: Florida (FL, confirmed), Texas (TX, confirmed), New Mexico (NM, lender_reported) - Works at an FHA-approved lender, per HUD (HUD FHA data, loans endorsed through Aug 2026): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot - 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: English, Spanish (Languages come only from the loan officer's own lender page, and most lender pages do not list languages. A language that is not listed means not stated, not that the loan officer does not speak it.) - Profile: unclaimed - Status: active ## Specialties ### Focus (officer level: their own bio, title, certification, specialty list or claim) - None on file yet. ## Facts from the lender page and intro - years_experience: 20. Source: https://bayshoremortgagefunding.com/team-directory/ernesto-portillo/, verified 2026-10-21. ## Licenses | State | Regulator | Type | Number | Status | Confidence | Issued | Source | Verified | |---|---|---|---|---|---|---|---|---| | FL | Florida regulator | state_license | LO112984 | active | confirmed | 2022-09-08 | state_regulator | 2026-10-15 | | TX | Texas regulator | state_license | n/a | active | confirmed | 2014-12-15 | state_regulator | 2026-10-13 | | NM | | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-21 | ## Employment history - ? to present: Bayshore Mortgage Funding, LLC (NMLS 196858). Source: https://bayshoremortgagefunding.com/team-directory/ernesto-portillo/, verified 2026-10-21. - ? to present: GFS Home Loans, Inc. (NMLS 35960), Arcadia, FL. Source: https://www.sml.texas.gov/, verified 2026-10-13. ## Disciplinary history Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/318951 ## Contact - View profile at Bayshore Mortgage Funding, LLC: https://bayshoremortgagefunding.com/team-directory/ernesto-portillo/ - Office phone and Email on file: shown at https://lendb.ai/lo/ernesto-portillo-318951#contact after a quick human check (not available in this file, the API or MCP). ## Sources - nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/318951 - state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip - state_regulator: https://www.sml.texas.gov/ - lender_site: https://bayshoremortgagefunding.com/team-directory/ernesto-portillo/ - HUD (FHA data): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot Cite as: Ernesto Portillo (NMLS 318951), Bayshore Mortgage Funding, LLC. LenDb.ai, https://lendb.ai/lo/ernesto-portillo-318951, last verified 2026-10-21. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._