---
canonical_url: https://lendb.ai/lo/joy-sinegar-munoz-435804
json_url: https://lendb.ai/lo/joy-sinegar-munoz-435804.json
nmls_id: 435804
last_verified: 2026-10-15
---

# Joy Sinegar Munoz

Loan officer at Guaranteed Rate (Rate). NMLS ID 435804 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/435804)).

**Summary:** Joy Sinegar Munoz (NMLS 435804) is a loan officer at Guaranteed Rate (Rate). Licensed in 2 states confirmed with state regulators: Florida and Texas. Earliest state license record: May 27, 2020 (Texas), per state regulator. Last verified 2026-10-15.

## At a glance

- Earliest state license record: May 27, 2020 (Texas), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Licensed in: Florida (FL, confirmed), Texas (TX, confirmed)
- 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: not listed
- Profile: unclaimed
- Status: active

## Specialties

### Focus (officer level: their own bio, title, certification, specialty list or claim)

- None on file yet.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO81140 | active | confirmed | 2021-01-29 | state_regulator | 2026-10-15 |
| TX | state_license | n/a | active | confirmed | 2020-05-27 | state_regulator | 2026-10-13 |

## Employment history

- ? to present: Guaranteed Rate (Rate) (NMLS 2611). 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/435804

## Contact


## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/435804
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip
- state_regulator: https://www.sml.texas.gov/
- HUD (FHA data): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot

Cite as: Joy Sinegar Munoz (NMLS 435804), Guaranteed Rate (Rate). LenDb.ai, https://lendb.ai/lo/joy-sinegar-munoz-435804, last verified 2026-10-15.

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