---
canonical_url: https://lendb.ai/lo/melinda-munoz-293463
json_url: https://lendb.ai/lo/melinda-munoz-293463.json
nmls_id: 293463
last_verified: 2026-10-09
---

# Melinda Munoz

Branch Manager at Union Home Mortgage, TX. NMLS ID 293463 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/293463)).

**Summary:** Melinda Munoz (NMLS 293463) is Branch Manager at Union Home Mortgage, based in Texas. Lists Texas on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: Down payment assistance, First-time buyer, Real estate investor and VA loan. Speaks Spanish. States 26 years of experience. Last verified 2026-10-09.

## At a glance

- Licensed since: unknown (no state regulator record on file). This is license history on file, not total experience.
- Years experience (stated by the LO): 26 (source: https://www.uhm.com/loan-officers/patty/, verified 2026-10-09)
- Licensed in: Texas (TX, 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: Spanish
- Profile: unclaimed
- Status: active

## Specialties

- **Down payment assistance** (`down-payment-assistance`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.uhm.com/loan-officers/patty/
- **First-time buyer** (`first-time-buyer`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.uhm.com/loan-officers/patty/
- **Real estate investor** (`investor`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.uhm.com/loan-officers/patty/
- **VA loan** (`va`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.uhm.com/loan-officers/patty/

## About

Melinda has 26 years in the mortgage industry, starting as a loan processor and transitioning to originating loans. They work extensively with first-time homebuyers, repeat buyers, and investors, with a focus on down payment assistance programs.

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

## Facts from the lender page and intro

- years_experience: 26. Source: https://www.uhm.com/loan-officers/patty/, verified 2026-10-09.
- role: Started as Loan Processor, transitioned to loan origination. Source: https://www.uhm.com/loan-officers/patty/, verified 2026-10-09.
- service_area: Houston and surrounding areas. Source: https://www.uhm.com/loan-officers/patty/, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| TX | state_license | 293463 | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: Union Home Mortgage (NMLS 2229), TX. Source: https://www.uhm.com/loan-officers/patty/, 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/293463

## Contact

- View profile at Union Home Mortgage: https://www.uhm.com/loan-officers/patty/
- Office phone and Email on file: shown at https://lendb.ai/lo/melinda-munoz-293463#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/293463
- lender_site: https://www.uhm.com/loan-officers/patty/

Cite as: Melinda Munoz (NMLS 293463), Union Home Mortgage. LenDb.ai, https://lendb.ai/lo/melinda-munoz-293463, last verified 2026-10-09.

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