---
canonical_url: https://lendb.ai/lo/luis-santizo-2038157
json_url: https://lendb.ai/lo/luis-santizo-2038157.json
nmls_id: 2038157
last_verified: 2026-10-09
---

# Luis Santizo

Mortgage Loan Originator at U.S. Bank, San Jose, CA. NMLS ID 2038157 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2038157)).

**Summary:** Luis Santizo (NMLS 2038157) is Mortgage Loan Originator at U.S. Bank, based in San Jose, CA. Works at a bank, so likely federally registered: Federally registered MLOs aren't state-licensed; verify at NMLS. Focus areas shown on the lender page: Construction loan. Speaks Spanish. Licensed since 2021 (per Florida records). Last verified 2026-10-09.

## At a glance

- Licensed since 2021 (per Florida records). This is license history on file, not total experience.
- Licensed in: no license list on file; check NMLS Consumer Access
- Federal registration: likely (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS.
- 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: Spanish
- Profile: unclaimed
- Status: active

## Specialties

- **Construction loan** (`construction`): lender page, confidence 0.85, verified 2026-10-09. Source: https://mortgage.usbank.com/ca/san-jose/luis-santizo-2038157

## Facts from the lender page and intro

- credential: Certified construction mortgage loan officer. Source: https://mortgage.usbank.com/ca/san-jose/luis-santizo-2038157, verified 2026-10-09.
- credential: Private wealth mortgage banker. Source: https://mortgage.usbank.com/ca/san-jose/luis-santizo-2038157, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO87336 | expired | confirmed | 2021-05-07 | state_regulator | 2026-10-09 |

## Employment history

- ? to present: U.S. Bank (NMLS 402761), San Jose, CA. Source: https://mortgage.usbank.com/ca/san-jose/luis-santizo-2038157, 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/2038157

## Contact

- View profile at U.S. Bank: https://mortgage.usbank.com/ca/san-jose/luis-santizo-2038157
- Office phone and Email on file: shown at https://lendb.ai/lo/luis-santizo-2038157#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2038157
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip
- lender_site: https://mortgage.usbank.com/ca/san-jose/luis-santizo-2038157

Cite as: Luis Santizo (NMLS 2038157), U.S. Bank. LenDb.ai, https://lendb.ai/lo/luis-santizo-2038157, last verified 2026-10-09.

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