---
canonical_url: https://lendb.ai/lo/tito-cruz-2766419
json_url: https://lendb.ai/lo/tito-cruz-2766419.json
nmls_id: 2766419
last_verified: 2026-10-09
---

# Tito Cruz

Credit Solutions Advisor, Assistant Vice President at Bank of America, Charlotte, NC. NMLS ID 2766419 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2766419)).

**Summary:** Tito Cruz (NMLS 2766419) is Credit Solutions Advisor, Assistant Vice President at Bank of America, based in Charlotte, NC. Works at a bank, so likely federally registered: Federally registered MLOs aren't state-licensed; verify at NMLS. States 1 years of experience. 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.
- Years experience (stated by the LO): 1 (source: https://mortgage.bankofamerica.com/esdras-cruz, verified 2026-10-09)
- Licensed in: no license list on file; check NMLS Consumer Access
- Federal registration: likely (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS.
- 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


## About

Tito has 1 year of home loan experience and offers personal guidance across a wide range of home loan options.

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

## Facts from the lender page and intro

- years_experience: 1. Source: https://mortgage.bankofamerica.com/esdras-cruz, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|

## Employment history

- ? to present: Bank of America (NMLS 399802), Charlotte, NC. Source: https://mortgage.bankofamerica.com/esdras-cruz, 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/2766419

## Contact

- View profile at Bank of America: https://mortgage.bankofamerica.com/esdras-cruz
- Office phone on file: shown at https://lendb.ai/lo/tito-cruz-2766419#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2766419
- lender_site: https://mortgage.bankofamerica.com/esdras-cruz

Cite as: Tito Cruz (NMLS 2766419), Bank of America. LenDb.ai, https://lendb.ai/lo/tito-cruz-2766419, last verified 2026-10-09.

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