---
canonical_url: https://lendb.ai/lo/karla-munguia-2237633
json_url: https://lendb.ai/lo/karla-munguia-2237633.json
nmls_id: 2237633
last_verified: 2026-10-09
---

# Karla Munguia

Loan Officer at Xpert Home Lending. NMLS ID 2237633 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2237633)).

**Summary:** Karla Munguia (NMLS 2237633) is Loan Officer at Xpert Home Lending. Lists California and Georgia on the lender page (not yet checked with the state regulator). Speaks English and Spanish. Last verified 2026-10-09.

## At a glance

- Earliest state license record: none on file. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Licensed in: California (CA, lender_reported), Georgia (GA, 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: English, Spanish
- Profile: unclaimed
- Status: active

## Specialties


## About

Karla is a Mortgage Loan Originator serving California and Georgia. Fluent in English and Spanish, she guides borrowers through purchasing, refinancing, and investing with an emphasis on education and long-term relationships.

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

## Facts from the lender page and intro

- service_area: California and Georgia. Source: https://xperthomelending.com/loan-directory/karla-munguia, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| CA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| GA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: Xpert Home Lending (NMLS 2179191). Source: https://xperthomelending.com/loan-directory/karla-munguia, 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/2237633

## Contact

- View profile at Xpert Home Lending: https://xperthomelending.com/loan-directory/karla-munguia
- Office phone and Email on file: shown at https://lendb.ai/lo/karla-munguia-2237633#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2237633
- lender_site: https://xperthomelending.com/loan-directory/karla-munguia

Cite as: Karla Munguia (NMLS 2237633), Xpert Home Lending. LenDb.ai, https://lendb.ai/lo/karla-munguia-2237633, last verified 2026-10-09.

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