What Verdica's 803 score means for ESPARZA, ROMAN CARLOS
ESPARZA, ROMAN CARLOS holds a composite compliance score of 803 out of 850, placing him in Verdica's "excellent" band (800–850). This score reflects strong overall standing across the dimensions Verdica tracks: state licensing compliance, complaint history, and business profile completeness.
For a consumer or business partner, a score in this range signals that regulatory records show no major red flags and that the provider maintains active, current licensure. It does not mean the provider is perfect or violation-free across a career—the real estate industry involves occasional disputes and complaints as a normal function of volume and transaction complexity. Rather, the 803 indicates that any historical issues fall within industry norms and that current compliance posture is sound. The score is supported by 101 independent customer reviews averaging 4.7 out of 5, suggesting that lived customer experience aligns with the regulatory picture.
Someone considering engaging ESPARZA, ROMAN CARLOS should interpret this score as clearing a high bar for due diligence, though independent verification of specific transaction terms and references remains prudent.
How the sub-scores break down
License & Compliance: 850
This perfect sub-score reflects state licensing commission records showing active licensure, current renewal status, and no material licensing violations or enforcement actions on file. In real estate, this dimension tracks whether a provider holds required state credentials, whether those credentials remain in good standing, and whether there are disciplinary actions (suspensions, revocations, or consent orders) in the regulatory record. A score of 850 indicates clean status on all these measures.
Complaints: 800
This sub-score reflects complaint history as tracked by the Consumer Financial Protection Bureau (CFPB) and HUD enforcement records. A score of 800 indicates a low or resolved complaint volume relative to transaction history. Real estate providers commonly receive complaints about communication delays, documentation errors, appraisal disputes, or fee disclosures. A score in this range suggests complaints, if any, were either isolated, resolved satisfactorily, or not substantiated by regulators. This is a strong indicator but not a zero-complaint record.
Business Profile: 730
This sub-score reflects the completeness and consistency of business information across public records—license details, business registration, transaction history, and public verification data. A score of 730 is "acceptable" to "strong" and indicates that business information is generally available and consistent, though there may be minor gaps in detail or verification depth compared to providers scoring higher. This dimension does not measure quality of service, only the transparency and verifiability of who the provider is.
What regulators in TX track for real estate providers
Texas real estate licensing falls under the Texas Real Estate Commission (TREC). State licensing records document whether a provider holds an active license, the license class (broker, salesperson, etc.), disciplinary history, and complaint dispositions. Common infractions tracked include misrepresentation, trust account violations, unauthorized practice, and failure to disclose material facts.
The Consumer Financial Protection Bureau (CFPB) maintains a complaint database for financial services and real estate lending. Complaints logged there cover issues such as loan origination delays, fee disputes, or loan modification problems. CFPB tracks complaint volume and whether providers respond and resolve issues.
HUD enforcement records document fair housing violations, predatory lending practices, or other federal housing law breaches. These are tracked separately because they carry higher regulatory weight than state violations.
Verdica's scoring algorithm weights these sources: clean licensing records have the strongest positive impact, followed by low complaint volume and current business verification. A single unresolved federal enforcement action can significantly lower a composite score, whereas isolated state complaints with resolution have less impact.
Bottom line
ESPARZA, ROMAN CARLOS presents as a strong, low-risk provider based on current regulatory data and customer feedback. Before engaging, verify specific transaction terms, request references from recent clients, and confirm licensing status independently through TREC's public database.