Melissa Valenzuela Cotton, photo from Guild Mortgage

Melissa Valenzuela Cotton

Loan Officer at Guild Mortgage · Longmont, CO

NMLS ID 469793 (opens in a new tab) · verify at NMLS Consumer Access

Melissa Valenzuela Cotton (NMLS 469793) is Loan Officer at Guild Mortgage, based in Longmont, CO. Licensed in 2 states confirmed with state regulators: Florida and Colorado. Also lists Arizona, Maine, North Carolina and Nebraska on the lender page (not yet checked with the state regulator). Earliest state license record: April 20, 2016 (Colorado), per state regulator.

Last verified . Sources: Guild Mortgage (branches.guildmortgage.com), Florida state regulator, Colorado state regulator and NMLS Consumer Access (license status, check live).

Specialties

None listed on the lender page yet.

    Evidence levels, strongest first: production data, lender page, self-reported.

    Languages

    Not listed

    Licensed states

    AKMEVTNHWAIDMTNDMNILWIMINYMARIORNVWYSDIAINOHPANJCTCAUTCONEMOKYWVVAMDDEAZNMKSARTNNCSCDCOKLAMSALGAHITXFL

    Florida, Arizona, Colorado, Maine, North Carolina, Nebraska

    ✓ Confirmed with the state regulator: FL (opens in a new tab) (LO137191, first effective 2025-04-16), CO (opens in a new tab) (100502107, first effective 2016-04-20), verified 2026-10-09.

    Lender-reported: AZ, ME, NC, NE are listed on the lender page, not yet checked with the state regulator.

    Contact

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    Employment history

    1. Guild Mortgage NMLS 3274

      Current · Longmont, CO · 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).

    Sources

    Name and employerlender site · branches.guildmortgage.com (opens in a new tab)verified 2026-10-09
    Licenses (regulator)state regulator · apps.colorado.gov (opens in a new tab)verified 2026-10-10
    Licensed stateslender site · branches.guildmortgage.com (opens in a new tab)verified 2026-10-09
    Contactlender site · branches.guildmortgage.com (opens in a new tab)verified 2026-10-09
    Photolender site · branches.guildmortgage.com (opens in a new tab)verified 2026-10-09
    License statusNMLS Consumer Access (opens in a new tab)check live

    Also available as Markdown, JSON, or via the API.

    Cite as: Melissa Valenzuela Cotton (NMLS 469793), Guild Mortgage. LenDb.ai, https://lendb.ai/lo/melissa-cotton-469793, last verified 2026-10-09.

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