{
  "canonical_url": "https://lendb.ai/lo/carolina-cruz-112260",
  "loan_officer": {
    "nmls_id": 112260,
    "slug": "carolina-cruz-112260",
    "canonical_url": "https://lendb.ai/lo/carolina-cruz-112260",
    "md_url": "https://lendb.ai/lo/carolina-cruz-112260.md",
    "json_url": "https://lendb.ai/lo/carolina-cruz-112260.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/112260",
    "full_name": {
      "value": "Carolina Cruz",
      "source": "lender_site",
      "source_url": "https://www.truist.com/finder/mortgage/carolina-cruz-direct-loan-officer-greensboro-nc-27409",
      "verified_at": "2026-10-09"
    },
    "first_name": "Carolina",
    "last_name": "Cruz",
    "headshot_url": null,
    "bio": {
      "value": "Carolina Cruz is a bilingual (Spanish/English) loan officer who focuses on listening to each client's unique financial goals and finding personalized loan solutions.",
      "source": "lender_site",
      "source_url": "https://www.truist.com/finder/mortgage/carolina-cruz-direct-loan-officer-greensboro-nc-27409",
      "verified_at": "2026-10-09"
    },
    "title": {
      "value": "Direct Loan Officer",
      "source": "lender_site",
      "source_url": "https://www.truist.com/finder/mortgage/carolina-cruz-direct-loan-officer-greensboro-nc-27409",
      "verified_at": "2026-10-09"
    },
    "languages": {
      "value": [
        "en",
        "es"
      ],
      "source": "lender_site",
      "source_url": "https://www.truist.com/finder/mortgage/carolina-cruz-direct-loan-officer-greensboro-nc-27409",
      "verified_at": "2026-10-09"
    },
    "years_licensed": null,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 70,
    "current_employment": {
      "lender_nmls_id": 399803,
      "lender_name": "Truist Bank",
      "lender_slug": "truist-399803",
      "branch_city": "Greensboro",
      "branch_state": "NC",
      "branch_zip": "27409",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://www.truist.com/finder/mortgage/carolina-cruz-direct-loan-officer-greensboro-nc-27409",
      "lender_type": "bank",
      "source": "lender_site",
      "source_url": "https://www.truist.com/finder/mortgage/carolina-cruz-direct-loan-officer-greensboro-nc-27409",
      "verified_at": "2026-10-09"
    },
    "employment_history": [
      {
        "lender_nmls_id": 399803,
        "lender_name": "Truist Bank",
        "lender_slug": "truist-399803",
        "branch_city": "Greensboro",
        "branch_state": "NC",
        "branch_zip": "27409",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://www.truist.com/finder/mortgage/carolina-cruz-direct-loan-officer-greensboro-nc-27409",
        "lender_type": "bank",
        "source": "lender_site",
        "source_url": "https://www.truist.com/finder/mortgage/carolina-cruz-direct-loan-officer-greensboro-nc-27409",
        "verified_at": "2026-10-09"
      }
    ],
    "licenses": [],
    "specialties": [],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [],
    "last_verified_at": "2026-10-09",
    "updated_at": "2026-10-09 12:00:11.279326+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/carolina-cruz-112260#contact",
      "note": "Phone and email are shown on the profile page after a quick human check, one profile at a time. They are not available through the API or MCP. To reach this loan officer, open reveal_url or lender_profile_url.",
      "source": "lender_site",
      "source_url": "https://www.truist.com/finder/mortgage/carolina-cruz-direct-loan-officer-greensboro-nc-27409",
      "verified_at": "2026-10-09"
    },
    "licensed_since": null,
    "federal_registration": {
      "status": "likely",
      "basis": "employer_type",
      "employer_type": "bank",
      "note": "Federally registered MLOs aren't state-licensed; verify at NMLS"
    }
  }
}