---
canonical_url: https://lendb.ai/lo/francisco-espaillat-609815
json_url: https://lendb.ai/lo/francisco-espaillat-609815.json
nmls_id: 609815
last_verified: 2026-10-09
---

# Francisco Espaillat

Mortgage Banker at Total Mortgage Services, Salem, NH. NMLS ID 609815 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/609815)).

**Summary:** Francisco Espaillat (NMLS 609815) is Mortgage Banker at Total Mortgage Services, based in Salem, NH. Licensed in Florida, confirmed with the state regulator (license LO147915). Focus areas shown on the lender page: First-time buyer. Speaks English and Spanish. Earliest state license record: July 20, 2026 (Florida), per state regulator. States 20 years of experience. Last verified 2026-10-09.

## At a glance

- Earliest state license record: July 20, 2026 (Florida), 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://www.totalmortgage.com/bankers/francisco-espaillat, verified 2026-10-09)
- Licensed in: Florida (FL, confirmed)
- 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
- Profile: unclaimed
- Status: active

## Specialties

- **First-time buyer** (`first-time-buyer`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.totalmortgage.com/bankers/francisco-espaillat

## About

With over 20 years of experience, Francisco specializes in helping first-time homebuyers and works closely with families, realtors, and community organizations. He is a bilingual lender fluent in English and Spanish.

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

## Facts from the lender page and intro

- years_experience: 20. Source: https://www.totalmortgage.com/bankers/francisco-espaillat, verified 2026-10-09.
- service_area: MA & NH. Source: https://www.totalmortgage.com/bankers/francisco-espaillat, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO147915 | active | confirmed | 2026-07-20 | state_regulator | 2026-10-09 |

## Employment history

- ? to present: Total Mortgage Services (NMLS 2764), Salem, NH. Source: https://www.totalmortgage.com/bankers/francisco-espaillat, 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/609815

## Contact

- View profile at Total Mortgage Services: https://www.totalmortgage.com/bankers/francisco-espaillat
- Email on file: shown at https://lendb.ai/lo/francisco-espaillat-609815#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/609815
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip
- lender_site: https://www.totalmortgage.com/bankers/francisco-espaillat

Cite as: Francisco Espaillat (NMLS 609815), Total Mortgage Services. LenDb.ai, https://lendb.ai/lo/francisco-espaillat-609815, last verified 2026-10-09.

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