---
canonical_url: https://lendb.ai/lo/zoraya-gonzalez-305607
json_url: https://lendb.ai/lo/zoraya-gonzalez-305607.json
nmls_id: 305607
last_verified: 2026-10-16
---

# Zoraya Gonzalez

Senior Loan Officer at Quontic Bank. NMLS ID 305607 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/305607)).

Zoraya Gonzalez (NMLS 305607) is a Senior Loan Officer at Quontic Bank. Zoraya's focus, from their own profile, includes first-time buyer, real estate investor and refinance, and Zoraya speaks English and Spanish.

**Summary:** Zoraya Gonzalez (NMLS 305607) is Senior Loan Officer at Quontic Bank. Works at a bank, so likely federally registered: Federally registered MLOs aren't state-licensed; verify at NMLS. Focus areas shown on the lender page: First-time buyer, Real estate investor, Refinance, FHA loan and VA loan. Speaks English and Spanish. Last verified 2026-10-16.

## Quick answers

### Is Zoraya licensed?

Zoraya works at a bank; bank loan officers register with NMLS federally instead of holding state licenses. Verify at NMLS Consumer Access. Source: employer type in LenDb's lender registry.

### Does Zoraya list first-time buyer as a focus?

Zoraya's profile lists first-time buyer as a focus (from their lender profile page). It also lists real estate investor, refinance and FHA loan. Source: https://www.quontic.com/help/loan-officers/zoraya-gonzalez/.

### What lender does Zoraya work for?

Quontic Bank, company NMLS 403503, per the lender's own site (verified 2026-10-16). Source: https://www.quontic.com/help/loan-officers/zoraya-gonzalez/.

### What languages does Zoraya speak?

English and Spanish, per their lender page (verified 2026-10-16). Source: https://www.quontic.com/help/loan-officers/zoraya-gonzalez/.

## 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: 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: English, Spanish (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)

- **First-time buyer** (`first-time-buyer`): from their lender profile page, confidence 0.90, verified 2026-10-26. Source: https://www.quontic.com/help/loan-officers/zoraya-gonzalez/
- **Real estate investor** (`investor`): from their lender profile page, confidence 0.80, verified 2026-10-26. Source: https://www.quontic.com/help/loan-officers/zoraya-gonzalez/
- **Refinance** (`refinance`): from their lender profile page, confidence 0.80, verified 2026-10-26. Source: https://www.quontic.com/help/loan-officers/zoraya-gonzalez/
- **FHA loan** (`fha`): from their lender profile page, confidence 0.70, verified 2026-10-26. Source: https://www.quontic.com/help/loan-officers/zoraya-gonzalez/
- **VA loan** (`va`): from their lender profile page, confidence 0.70, verified 2026-10-26. Source: https://www.quontic.com/help/loan-officers/zoraya-gonzalez/

## Facts from the lender page and intro

- service_area: All 50 states. Source: https://www.quontic.com/help/loan-officers/zoraya-gonzalez/, verified 2026-10-16.
- other: Infinity Program providing exclusive employee discount loans. Source: https://www.quontic.com/help/loan-officers/zoraya-gonzalez/, verified 2026-10-16.

## Licenses

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

## Employment history

- ? to present: Quontic Bank (NMLS 403503). Source: https://www.quontic.com/help/loan-officers/zoraya-gonzalez/, verified 2026-10-16.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/305607

## Contact

- View profile at Quontic Bank: https://www.quontic.com/help/loan-officers/zoraya-gonzalez/
- Office phone and Email on file: shown at https://lendb.ai/lo/zoraya-gonzalez-305607#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/305607
- lender_site: https://www.quontic.com/help/loan-officers/zoraya-gonzalez/

Cite as: Zoraya Gonzalez (NMLS 305607), Quontic Bank. LenDb.ai, https://lendb.ai/lo/zoraya-gonzalez-305607, last verified 2026-10-16.

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