The short answer: As of October 29, 2026, Neighborhood Registry has read the license record of every loan officer ranked below at NMLS (Nationwide Multistate Licensing System) and found each license Active. 18 loan officers on the Irving service roster hold licenses we checked in October 2026; 7 are ranked here. One fact stated up front: no Irving loan officer has claimed a Registry profile yet, so every name below sits in the License-Checked tier — licenses verified at the authority, profiles not yet maintained by the pros. The first Irving loan officer to claim and verify a profile takes the top tier in the next edition, under the same published rules. Until then, this page is the only Irving loan officer ranking that prints the license number and check date behind every name.
The ranking — October 2026 edition
1. Eddie Hernandez
Rank basis: License-Checked tier; appears on the Irving service roster (Irving); checked October 28, 2026. Order inside the tier follows the published methodology below.
License: NMLS (Nationwide Multistate Licensing System) #422567 — Active, read directly at the authority. Last checked: October 28, 2026.
Area served: Irving (Irving service roster).
Registry profile
2. Paul Buhler
Rank basis: License-Checked tier; appears on the Irving service roster (Irving); checked October 28, 2026. Order inside the tier follows the published methodology below.
License: NMLS (Nationwide Multistate Licensing System) #833990 — Active, read directly at the authority. Last checked: October 28, 2026.
Area served: Irving (Irving service roster).
Registry profile
3. Angelina Li
Rank basis: License-Checked tier; appears on the Irving service roster (Irving); checked October 28, 2026. Order inside the tier follows the published methodology below.
License: NMLS (Nationwide Multistate Licensing System) #2084035 — Active, read directly at the authority. Last checked: October 28, 2026.
Area served: Irving (Irving service roster).
Registry profile
4. Darlene Martinez
Rank basis: License-Checked tier; appears on the Irving service roster (Irving); checked October 28, 2026. Order inside the tier follows the published methodology below.
License: NMLS (Nationwide Multistate Licensing System) #2021119 — Active, read directly at the authority. Last checked: October 28, 2026.
Area served: Irving (Irving service roster).
Registry profile
5. David Wells
Rank basis: License-Checked tier; appears on the Irving service roster (Irving); checked October 21, 2026. Order inside the tier follows the published methodology below.
License: NMLS (Nationwide Multistate Licensing System) #780174 — Active, read directly at the authority. Last checked: October 21, 2026.
Area served: Irving (Irving service roster).
Registry profile
6. Emily Franke
Rank basis: License-Checked tier; appears on the Irving service roster (Irving); checked October 21, 2026. Order inside the tier follows the published methodology below.
License: NMLS (Nationwide Multistate Licensing System) #223977 — Active, read directly at the authority. Last checked: October 21, 2026.
Area served: Irving (Irving service roster).
Registry profile
7. Emily Sultan
Rank basis: License-Checked tier; appears on the Irving service roster (Irving); checked October 21, 2026. Order inside the tier follows the published methodology below.
License: NMLS (Nationwide Multistate Licensing System) #974905 — Active, read directly at the authority. Last checked: October 21, 2026.
Area served: Irving (Irving service roster).
Registry profile
Also license-checked in Irving, not ranked in this edition: 11 more loan officers on the Irving service roster hold licenses we read and found Active in October 2026 — Jason Herbert, Jennifer Riley, Robb Mckinnon, Wayne Lancaster, Randal Mcclanahan, Carlos Martinez, Eddie Rinehart, Joe Greiner, Mike Barnes, Tracy Hochrine, Zach Moses.
How this ranking works
Most “best loan officers in Irving” lists are assembled from advertising placements and review counts copied from other websites. This ranking is assembled from exactly one thing: the license record at the issuing authority, read directly by Neighborhood Registry.
- Eligibility. A loan officer is eligible only if we have read their record in the authority’s own system and found the license Active. No one can pay to be listed, apply for a rank, or be added by request.
- Tier A — Verified & Claimed. The license is verified at the authority and the pro has claimed their Registry profile, confirmed their details, and maintains it. Tier A always ranks above Tier B.
- Tier B — License-Checked. We have read the license at the authority and found it Active, but the pro has not yet claimed their profile.
- Order inside a tier is mechanical and published: (1) neighborhood seats held in Irving; (2) most recent authority check; (3) time on the Registry (first-verified date); (4) alphabetical. Every input to every score is printed in the entries above.
- Freshness. Licenses are re-checked weekly and formally re-verified every 12 months. A license that lapses or is suspended removes the pro from this ranking at the next re-check — not at the next edition. This page is re-issued monthly; this is the October 2026 edition, built from checks dated October 2026.
Full method: How We Verify — Every check is written to the public verification ledger.
How to verify a Texas loan officer’s license
Use NMLS Consumer Access at nmlsconsumeraccess.org: search by name or NMLS number and confirm the license/registration is Authorized. Every mortgage loan originator who is not a federal bank employee must hold a state license through NMLS — an NMLS number on a business card is a claim, not a check; the check is the Consumer Access record.
Irving, in numbers
- Population and housing (Irving city): Irving counted an estimated 257,076 people on July 1, 2025 (U.S. Census Bureau QuickFacts V2025), up 0.1% from the April 1, 2020 Census count of 256,684 — a mature, essentially flat-growth inner suburb. The median value of owner-occupied housing units was $315,600 in 2020-2024, and the owner-occupied rate was 38.1% — Irving is a renter-majority city, with median gross rent of $1,619 (2020-2024).
- Schools: there is no single Irving district. Three districts serve Irving addresses — Irving ISD (most of the city) rated C, Coppell ISD (the northern Valley Ranch area) rated A, and Carrollton-Farmers Branch ISD (the western edge) rated B (82) in the Texas Education Agency’s 2025 accountability ratings. Verify the district for a specific address with the district or on TEA’s TXschools.gov.
- Taxes (Tax Year 2026, per $100 of taxable value): for a city-limits parcel in Dallas County, the worked stack is Dallas County $0.248650 + Parkland Hospital District $0.212000 + Dallas College $0.106575 + City of Irving $0.589100 + the school district — $2.144725 in Irving ISD ($0.988400), $2.142025 in Coppell ISD ($0.985700), and $2.104425 in Carrollton-Farmers Branch ISD ($0.948100), before any special district (Dallas Central Appraisal District TY2026 table). The Dallas County component is subject to a November 3, 2026 voter-approval election; if voters reject it, those totals fall to $2.120725, $2.118025, and $2.080425. Special districts are per-parcel — a parcel inside the Dallas County Utility & Reclamation District (Las Colinas area) adds $0.685657 — and a small Tarrant County sliver of the city carries Tarrant County entities instead, for which no stack is stated here.
- Loan angle: one city, three school districts, three different escrows — the Tax Year 2026 total runs from $2.104425 (Carrollton-Farmers Branch ISD) to $2.144725 (Irving ISD) per $100 before special districts, and Irving ISD’s Bond 2026 package on the November 3, 2026 ballot carries a district-projected tax-rate impact of $0.1250 if all four propositions pass, a forward escrow variable in the main district (Irving ISD Bond 2026).
- On this Registry: 18 loan officers serving Irving hold licenses read at the authority in October 2026; the loan officer seat is unclaimed.
Frequently Asked Questions
Who is the best license-verified loan officer in Irving, Texas?
As of October 29, 2026, Neighborhood Registry has license-checked 18 loan officers serving Irving at NMLS (Nationwide Multistate Licensing System), all Active. The top-ranked are Eddie Hernandez (NMLS #422567), Paul Buhler (NMLS #833990), Angelina Li (NMLS #2084035). No Irving loan officer has claimed a Registry profile yet, so all are ranked in the License-Checked tier under a published methodology.
How do I verify a Texas loan officer’s license?
Use NMLS Consumer Access at nmlsconsumeraccess.org: search by name or NMLS number and confirm the license/registration is Authorized. Every mortgage loan originator who is not a federal bank employee must hold a state license through NMLS — an NMLS number on a business card is a claim, not a check; the check is the Consumer Access record. Neighborhood Registry reads the same record and writes every check to its public verification ledger.
How do property taxes affect a Irving mortgage payment?
Property taxes are escrowed in the monthly mortgage payment from day one, so the tax stack for the specific parcel changes the payment and the debt-to-income calculation. Irving has no single rate: for Tax Year 2026, a city-limits parcel in Dallas County stacks to $2.144725 per $100 of taxable value in Irving ISD (Dallas County $0.248650 + Parkland Hospital District $0.212000 + Dallas College $0.106575 + City of Irving $0.589100 + Irving ISD $0.988400), $2.142025 in Coppell ISD, and $2.104425 in Carrollton-Farmers Branch ISD, before any special district — and a parcel inside the Dallas County Utility & Reclamation District adds $0.685657 on top. The Dallas County component is subject to the November 3, 2026 voter-approval election; if voters reject it, those totals fall to $2.120725, $2.118025, and $2.080425. A payment quote must be built from the parcel’s actual stack, so confirm the parcel’s actual entity list with the county appraisal district.
What should a Irving homebuyer know about local taxes and schools?
Three districts serve Irving addresses in TEA’s 2025 ratings — Irving ISD, which covers most of the city, rated C, Coppell ISD in the northern Valley Ranch area rated A, and Carrollton-Farmers Branch ISD on the western edge rated B (82) — so verify the district for a specific address with the district or on TEA’s TXschools.gov. For Tax Year 2026, a city-limits parcel in Dallas County stacks to $2.144725 per $100 in Irving ISD, $2.142025 in Coppell ISD, and $2.104425 in Carrollton-Farmers Branch ISD, before any special district; the Dallas County component is subject to a voter-approval election on November 3, 2026, and if voters reject it those totals fall to $2.120725, $2.118025, and $2.080425. Confirm the entities and rates for a specific parcel with the Dallas Central Appraisal District.
Sources
- NMLS (Nationwide Multistate Licensing System) license records for every ranked loan officer (license numbers and check dates printed above), read October 2026; Neighborhood Registry verification ledger.
- Dallas Central Appraisal District — 2026 Estimated Ad Valorem Tax Rates for Dallas County (revised March 4, 2026) — Tax Year 2026 county, city, school district and special district rates (checked October 2026).
- City of Irving — Notice of Public Hearing on Tax Increase (Tax Year 2026 city rate $0.589100) (checked October 2026).
- Coppell ISD — Board adoption memo, Adoption of 2026-2027 Tax Rates (August 24, 2026; $0.985700) (checked October 2026).
- Texas Education Agency — 2025-2026 Accreditation Statuses and 2024-25 TAPR (Irving ISD C; Coppell ISD A) (checked October 2026).
- Neighborhood Registry facts/dallas.md — Dallas County Tax Year 2026 component library and Carrollton-Farmers Branch ISD rate and TEA B (82), reused by citation (checked October 2026).
- U.S. Census Bureau — QuickFacts: Irving city, Texas (V2025; July 1, 2025 population estimate and 2020-2024 housing values) (checked October 2026).
- Irving ISD — Bond 2026 (district site; four propositions, projected $0.1250 rate impact if all pass) (checked October 2026).
- Neighborhood Registry Irving fact build, October 2026.