---
canonical_url: https://lendb.ai/lo/sylvia-cruz-2752914
json_url: https://lendb.ai/lo/sylvia-cruz-2752914.json
nmls_id: 2752914
last_verified: 2026-10-09
---

# Sylvia Cruz

Mortgage Loan Officer at Loan Factory, CA. NMLS ID 2752914 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2752914)).

**Summary:** Sylvia Cruz (NMLS 2752914) is Mortgage Loan Officer at Loan Factory, based in California. Lists California on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: Bank statement loan. Last verified 2026-10-09.

## At a glance

- Earliest state license record: none on file. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Licensed in: California (CA, 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

- **Bank statement loan** (`bank-statement`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.loanfactory.com/mortgage-expert/sylvia-cruz-2752914

## About

Sylvia Cruz is a retired educator and certified life coach who specializes in guiding diverse clients through the California market, with expertise in FHA loans, bank statement and P&L loans for self-employed borrowers, and DSCR loans for real estate investors.

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

## Facts from the lender page and intro

- education: retired educator and certified life coach. Source: https://www.loanfactory.com/mortgage-expert/sylvia-cruz-2752914, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| CA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: Loan Factory (NMLS 320841), CA. Source: https://www.loanfactory.com/mortgage-expert/sylvia-cruz-2752914, 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/2752914

## Contact

- View profile at Loan Factory: https://www.loanfactory.com/mortgage-expert/sylvia-cruz-2752914

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2752914
- lender_site: https://www.loanfactory.com/mortgage-expert/sylvia-cruz-2752914

Cite as: Sylvia Cruz (NMLS 2752914), Loan Factory. LenDb.ai, https://lendb.ai/lo/sylvia-cruz-2752914, last verified 2026-10-09.

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