Julia Cruz
Senior Loan Officer at Guild Mortgage · Carlsbad, CA
NMLS ID 632832 (opens in a new tab) · verify at NMLS Consumer Access
Julia Cruz (NMLS 632832) is Senior Loan Officer at Guild Mortgage, based in Carlsbad, CA. Lists California on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: First-time buyer, Jumbo loan and Down payment assistance. States 19 years of experience.
Last verified . Sources: Guild Mortgage (branches.guildmortgage.com) and NMLS Consumer Access (license status, check live).
- 19 years experience (stated)
- 1 state
- Unclaimed profile
- Disciplinary history not yet checked
Specialties
Where we saw these: branches.guildmortgage.com (opens in a new tab)
Evidence levels, strongest first: production data, lender page, self-reported.
Languages
Not listed
Licensed states
Lender-reported: CA is listed on the lender page, not yet checked with the state regulator.
Contact
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Employment history
Guild Mortgage NMLS 3274
Current · Carlsbad, CA · seen on lender site 2026-10-09
Disciplinary history
Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access (opens in a new tab).
About
Julia Cruz has nearly two decades in the mortgage industry with over 13 years at Guild Mortgage, specializing in first-time homebuyers and move-up buyers with a focus on client education.
Our summary of the lender page. Verified 2026-10-09.
Sources
| Name and employer | lender site · branches.guildmortgage.com (opens in a new tab) | verified 2026-10-09 |
| Licensed states | lender site · branches.guildmortgage.com (opens in a new tab) | verified 2026-10-09 |
| Specialties | lender site · branches.guildmortgage.com (opens in a new tab) | verified 2026-10-09 |
| Summary | lender site · branches.guildmortgage.com (opens in a new tab) | verified 2026-10-09 |
| Contact | lender site · branches.guildmortgage.com (opens in a new tab) | verified 2026-10-09 |
| Photo | lender site · branches.guildmortgage.com (opens in a new tab) | verified 2026-10-09 |
| License status | NMLS Consumer Access (opens in a new tab) | check live |
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Cite as: Julia Cruz (NMLS 632832), Guild Mortgage. LenDb.ai, https://lendb.ai/lo/julia-cruz-632832, last verified 2026-10-09.
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