---
canonical_url: https://lendb.ai/lo/monica-reyes-1838857
json_url: https://lendb.ai/lo/monica-reyes-1838857.json
nmls_id: 1838857
last_verified: 2026-10-31
---

# Monica Reyes

Loan officer at Watermark Capital, Inc.. NMLS ID 1838857 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1838857)).

Monica Reyes (NMLS 1838857) is a mortgage loan officer at Watermark Capital, Inc., licensed in California since 2019 and in Texas, Oregon, Massachusetts and Nevada. Monica works at an FHA-approved lender, per HUD.

**Summary:** Monica Reyes (NMLS 1838857) is a loan officer at Watermark Capital, Inc.. Licensed in 5 states confirmed with state regulators: Texas, Oregon, California, Massachusetts and Nevada. Earliest state license record: May 15, 2019 (California), per state regulator. Last verified 2026-10-31.

## Quick answers

### Is Monica licensed in Texas?

Yes. Texas regulator records list a license as active, first effective June 19, 2019 (verified 2026-10-13). LenDb has 4 other states on file for Monica. Source: https://www.sml.texas.gov/.

### What lender does Monica work for, and is it FHA-approved?

Watermark Capital, Inc., company NMLS 1838, per the lender's own site (verified 2026-10-13). Works at an FHA-approved lender, per HUD (HUD FHA data, loans endorsed through Aug 2026). Source: https://www.sml.texas.gov/.

### How long has Monica been licensed?

The earliest state license record LenDb holds for Monica is from May 15, 2019 (California regulator). That is a record date from the rosters we hold, not proof of continuous licensure. Source: https://dfpi.ca.gov/.

## At a glance

- Earliest state license record: May 15, 2019 (California), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Also licensed as (state regulator records, same NMLS ID): Monica T. Reyes (CA, FL, MA, NV, OR, TX, as of 2026-10-28)
- Licensed in: Texas (TX, confirmed), Oregon (OR, confirmed), California (CA DFPI, confirmed), Massachusetts (MA, confirmed), Nevada (NV, confirmed)
- Works at an FHA-approved lender, per HUD (HUD FHA data, loans endorsed through Aug 2026): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot
- 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 (Languages come only from the loan officer's own lender page, and most lender pages do not list languages. A language that is not listed means not stated, not that the loan officer does not speak it.)
- Profile: unclaimed
- Status: active

## Specialties

### Focus (officer level: their own bio, title, certification, specialty list or claim)

- None on file yet.

## Licenses

| State | Regulator | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|---|
| FL | Florida regulator | state_license | LO61965 | expired | confirmed | 2019-06-12 | state_regulator | 2026-10-15 |
| TX | Texas regulator | state_license | n/a | active | confirmed | 2019-06-19 | state_regulator | 2026-10-13 |
| OR | Oregon regulator | state_license | n/a | active | confirmed | 2020-02-27 | state_regulator | 2026-10-20 |
| CA | California Department of Financial Protection and Innovation | state_license | CA-DBO1838857 | active | confirmed | 2019-05-15 | state_regulator | 2026-10-24 |
| MA | Massachusetts regulator | state_license | MLO1838857 | active | confirmed |  | state_regulator | 2026-10-26 |
| NV | Nevada regulator | state_license | NMLO-1180257 | active | confirmed | 2019-09-16 | state_regulator | 2026-10-31 |

## Employment history

- ? to present: Watermark Capital, Inc. (NMLS 1838). Source: https://www.sml.texas.gov/, verified 2026-10-13.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1838857

## Contact


## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1838857
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip
- state_regulator: https://www.sml.texas.gov/
- state_regulator: https://dfr.oregon.gov/
- state_regulator: https://dfpi.ca.gov/
- state_regulator: https://www.mass.gov/lists/download-a-list-of-approved-licensees
- state_regulator: https://mld.nv.gov/
- HUD (FHA data): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot

Cite as: Monica Reyes (NMLS 1838857), Watermark Capital, Inc.. LenDb.ai, https://lendb.ai/lo/monica-reyes-1838857, last verified 2026-10-31.

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