{
  "canonical_url": "https://lendb.ai/s/itin/texas",
  "summary": "As of 2026-10-09, LenDb lists 5 loan officers licensed in or based in Texas whose lender pages show ITIN borrower work. The top-ranked are Antonio Gutierrez (Loan Factory), Debora Valdes (Total Mortgage Services, Milford) and Yesenia Sanabria (Guild Mortgage, Bentonville). Ranking is lender-neutral: specialty evidence first, then a license in TX, branch location, experience and profile completeness. Nobody pays for placement.",
  "specialty": "itin",
  "state": "TX",
  "total": 5,
  "last_verified": "2026-10-09",
  "results": [
    {
      "rank": 1,
      "score": 55,
      "loan_officer": {
        "nmls_id": 722537,
        "slug": "antonio-gutierrez-722537",
        "full_name": "Antonio Gutierrez",
        "canonical_url": "https://lendb.ai/lo/antonio-gutierrez-722537",
        "json_url": "https://lendb.ai/lo/antonio-gutierrez-722537.json",
        "lender": {
          "nmls_id": 320841,
          "name": "Loan Factory",
          "canonical_url": "https://lendb.ai/lender/loan-factory-320841",
          "type": "broker"
        },
        "branch": {
          "city": null,
          "state": "TX"
        },
        "licensed_states": [
          "TX"
        ],
        "licenses": [
          {
            "state": "TX",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "es"
        ],
        "specialties": [
          {
            "slug": "asset-based",
            "evidence": "lender_page_text"
          },
          {
            "slug": "bank-statement",
            "evidence": "lender_page_text"
          },
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "foreign-national",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          },
          {
            "slug": "itin",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "dscr",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "licensed_since": null,
        "years_experience": 20,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/antonio-gutierrez-722537",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists ITIN borrower on lender page (lender page, verified 2026-10-09)",
        "Office in Texas",
        "TX listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "States 20 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/antonio-gutierrez-722537",
      "license_check": {
        "state": "TX",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "TX listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://www.loanfactory.com/mortgage-expert/antonio-gutierrez-722537"
      },
      "match_status": "exact",
      "matched_specialties": [
        "itin"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 2,
      "score": 55,
      "loan_officer": {
        "nmls_id": 1793296,
        "slug": "debora-valdes-1793296",
        "full_name": "Debora Valdes",
        "canonical_url": "https://lendb.ai/lo/debora-valdes-1793296",
        "json_url": "https://lendb.ai/lo/debora-valdes-1793296.json",
        "lender": {
          "nmls_id": 2764,
          "name": "Total Mortgage Services",
          "canonical_url": "https://lendb.ai/lender/total-mortgage-services-2764",
          "type": "imb"
        },
        "branch": {
          "city": "Milford",
          "state": "CT"
        },
        "licensed_states": [
          "FL",
          "CA",
          "CT",
          "MA",
          "NY",
          "TX"
        ],
        "licenses": [
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "CT",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "MA",
            "confidence": "lender_reported"
          },
          {
            "state": "NY",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "es",
          "pt"
        ],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "itin",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 4,
        "licensed_since": {
          "year": 2022,
          "state": "FL"
        },
        "years_experience": 10,
        "lender_profile_url": "https://www.totalmortgage.com/bankers/debora-valdes",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists ITIN borrower on lender page (lender page, verified 2026-10-09)",
        "TX listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Licensed since 2022 (per Florida records)",
        "States 10 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/debora-valdes-1793296",
      "license_check": {
        "state": "TX",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "TX listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://www.totalmortgage.com/bankers/debora-valdes"
      },
      "match_status": "exact",
      "matched_specialties": [
        "itin"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 3,
      "score": 50,
      "loan_officer": {
        "nmls_id": 1932716,
        "slug": "yesenia-sanabria-1932716",
        "full_name": "Yesenia Sanabria",
        "canonical_url": "https://lendb.ai/lo/yesenia-sanabria-1932716",
        "json_url": "https://lendb.ai/lo/yesenia-sanabria-1932716.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
        },
        "branch": {
          "city": "Bentonville",
          "state": "AR"
        },
        "licensed_states": [
          "AR",
          "KS",
          "MO",
          "TX"
        ],
        "licenses": [
          {
            "state": "AR",
            "confidence": "lender_reported"
          },
          {
            "state": "KS",
            "confidence": "lender_reported"
          },
          {
            "state": "MO",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "es"
        ],
        "specialties": [
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "itin",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "licensed_since": null,
        "years_experience": null,
        "lender_profile_url": "https://branches.guildmortgage.com/ar/bentonville/yesenia-sanabria-345-chys.html",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists ITIN borrower on lender page (lender page, verified 2026-10-09)",
        "TX listed on their lender page (not yet checked with the state regulator; verify at NMLS)"
      ],
      "canonical_url": "https://lendb.ai/lo/yesenia-sanabria-1932716",
      "license_check": {
        "state": "TX",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "TX listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://branches.guildmortgage.com/ar/bentonville/yesenia-sanabria-345-chys.html"
      },
      "match_status": "exact",
      "matched_specialties": [
        "itin"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 4,
      "score": 49,
      "loan_officer": {
        "nmls_id": 1447959,
        "slug": "gregory-michael-west-1447959",
        "full_name": "Gregory Michael West",
        "canonical_url": "https://lendb.ai/lo/gregory-michael-west-1447959",
        "json_url": "https://lendb.ai/lo/gregory-michael-west-1447959.json",
        "lender": {
          "nmls_id": 320841,
          "name": "Loan Factory",
          "canonical_url": "https://lendb.ai/lender/loan-factory-320841",
          "type": "broker"
        },
        "branch": {
          "city": null,
          "state": null
        },
        "licensed_states": [
          "FL",
          "AL",
          "CA",
          "GA",
          "IL",
          "MD",
          "NC",
          "TX",
          "VA"
        ],
        "licenses": [
          {
            "state": "AL",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "IL",
            "confidence": "lender_reported"
          },
          {
            "state": "MD",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "es"
        ],
        "specialties": [
          {
            "slug": "itin",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 1,
        "licensed_since": {
          "year": 2025,
          "state": "FL"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/gregory-michael-west-1447959",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists ITIN borrower on lender page (lender page, verified 2026-10-09)",
        "TX listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Licensed since 2025 (per Florida records)"
      ],
      "canonical_url": "https://lendb.ai/lo/gregory-michael-west-1447959",
      "license_check": {
        "state": "TX",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "TX listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://www.loanfactory.com/mortgage-expert/gregory-michael-west-1447959"
      },
      "match_status": "exact",
      "matched_specialties": [
        "itin"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 5,
      "score": 40.3,
      "loan_officer": {
        "nmls_id": 2012580,
        "slug": "ari-wren-2012580",
        "full_name": "Ari Wren",
        "canonical_url": "https://lendb.ai/lo/ari-wren-2012580",
        "json_url": "https://lendb.ai/lo/ari-wren-2012580.json",
        "lender": {
          "nmls_id": 1850,
          "name": "American Pacific Mortgage",
          "canonical_url": "https://lendb.ai/lender/american-pacific-mortgage-1850",
          "type": "imb"
        },
        "branch": {
          "city": "El Paso",
          "state": "TX"
        },
        "licensed_states": [
          "NM",
          "TN",
          "TX"
        ],
        "licenses": [
          {
            "state": "NM",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "es"
        ],
        "specialties": [
          {
            "slug": "itin",
            "evidence": "lender_page_text"
          },
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "licensed_since": null,
        "years_experience": null,
        "lender_profile_url": "https://www.apmortgage.com/ari-wren",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists ITIN borrower on lender page (lender page, verified 2026-10-09)",
        "Office in El Paso, TX",
        "TX listed on their lender page (not yet checked with the state regulator; verify at NMLS)"
      ],
      "canonical_url": "https://lendb.ai/lo/ari-wren-2012580",
      "license_check": {
        "state": "TX",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "TX listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://www.apmortgage.com/ari-wren"
      },
      "match_status": "exact",
      "matched_specialties": [
        "itin"
      ],
      "unconfirmed_specialties": []
    }
  ]
}