--- canonical_url: https://lendb.ai/lo/monica-centeno-1100009 json_url: https://lendb.ai/lo/monica-centeno-1100009.json nmls_id: 1100009 last_verified: 2026-10-09 --- # Monica Centeno Branch Manager at Guild Mortgage, Henderson, NV. NMLS ID 1100009 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1100009)). **Summary:** Monica Centeno (NMLS 1100009) is Branch Manager at Guild Mortgage, based in Henderson, NV. Licensed in 2 states confirmed with state regulators: Florida and Colorado. Also lists Alabama, Arizona, California, Delaware, Georgia, Hawaii, Idaho, Illinois and 23 more on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: Down payment assistance. Earliest state license record: July 19, 2018 (Florida), per state regulator. Last verified 2026-10-09. ## At a glance - Earliest state license record: July 19, 2018 (Florida), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience. - Licensed in: Florida (FL, confirmed), Colorado (CO, confirmed), Alabama (AL, lender_reported), Arizona (AZ, lender_reported), California (CA, lender_reported), Delaware (DE, lender_reported), Georgia (GA, lender_reported), Hawaii (HI, lender_reported), Idaho (ID, lender_reported), Illinois (IL, lender_reported), Indiana (IN, lender_reported), Kansas (KS, lender_reported), Kentucky (KY, lender_reported), Massachusetts (MA, lender_reported), Maryland (MD, lender_reported), Michigan (MI, lender_reported), Missouri (MO, lender_reported), Mississippi (MS, lender_reported), North Carolina (NC, lender_reported), Nebraska (NE, lender_reported), New Jersey (NJ, lender_reported), New Mexico (NM, lender_reported), Nevada (NV, lender_reported), Ohio (OH, lender_reported), Oklahoma (OK, lender_reported), Oregon (OR, lender_reported), Pennsylvania (PA, lender_reported), South Carolina (SC, lender_reported), Tennessee (TN, lender_reported), Texas (TX, lender_reported), Virginia (VA, lender_reported), Washington (WA, lender_reported), Wisconsin (WI, 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: not listed - Profile: unclaimed - Status: active ## Specialties - **Down payment assistance** (`down-payment-assistance`): lender page, confidence 0.80, verified 2026-10-09. Source: https://branches.guildmortgage.com/nv/henderson/monica-centeno-255-hdmce.html ## About Monica Centeno has 20+ years of mortgage lending experience and is licensed in over 30 states. An attorney licensed in Nevada and California, she specializes in programs from down payment assistance to complex loan programs. Source: LenDb summary of the lender page, verified 2026-10-09. ## Facts from the lender page and intro - years_experience: 20+. Source: https://branches.guildmortgage.com/nv/henderson/monica-centeno-255-hdmce.html, verified 2026-10-09. - education: UNLV graduate; Chapman University School of Law graduate. Source: https://branches.guildmortgage.com/nv/henderson/monica-centeno-255-hdmce.html, verified 2026-10-09. - credential: Attorney licensed in Nevada and California. Source: https://branches.guildmortgage.com/nv/henderson/monica-centeno-255-hdmce.html, verified 2026-10-09. ## Licenses | State | Type | Number | Status | Confidence | Issued | Source | Verified | |---|---|---|---|---|---|---|---| | FL | state_license | LO54981 | active | confirmed | 2018-07-19 | state_regulator | 2026-10-09 | | CO | state_license | 100512185 | active | confirmed | 2018-08-21 | state_regulator | 2026-10-10 | | AL | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | AZ | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | CA | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | DE | 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 | | HI | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | ID | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | IL | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | IN | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | KS | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | KY | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | MA | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | MD | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | MI | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | MO | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | MS | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | NC | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | NE | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | NJ | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | NM | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | NV | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | OH | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | OK | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | OR | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | PA | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | SC | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | TN | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | TX | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | VA | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | WA | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | WI | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | ## Employment history - ? to present: Guild Mortgage (NMLS 3274), Henderson, NV. Source: https://branches.guildmortgage.com/nv/henderson/monica-centeno-255-hdmce.html, 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/1100009 ## Contact - View profile at Guild Mortgage: https://branches.guildmortgage.com/nv/henderson/monica-centeno-255-hdmce.html - Office phone and Email on file: shown at https://lendb.ai/lo/monica-centeno-1100009#contact after a quick human check (not available in this file, the API or MCP). ## Sources - nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1100009 - state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip - state_regulator: https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=221285&contact=368891 - lender_site: https://branches.guildmortgage.com/nv/henderson/monica-centeno-255-hdmce.html Cite as: Monica Centeno (NMLS 1100009), Guild Mortgage. LenDb.ai, https://lendb.ai/lo/monica-centeno-1100009, last verified 2026-10-09. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._