{
  "canonical_url": "https://lendb.ai/lo/cesar-pacheco-162955",
  "loan_officer": {
    "nmls_id": 162955,
    "slug": "cesar-pacheco-162955",
    "canonical_url": "https://lendb.ai/lo/cesar-pacheco-162955",
    "md_url": "https://lendb.ai/lo/cesar-pacheco-162955.md",
    "json_url": "https://lendb.ai/lo/cesar-pacheco-162955.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/162955",
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      "source": "lender_site",
      "source_url": "https://www.apmortgage.com/cesar-pacheco",
      "verified_at": "2026-10-09"
    },
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    "last_name": "Pacheco",
    "headshot_url": null,
    "bio": {
      "value": "Cesar has worked in finance for 22 years and is passionate about helping people from all backgrounds achieve homeownership. Born in Venezuela, he moved to the United States in 1999 and now leads the Duluth branch.",
      "source": "lender_site",
      "source_url": "https://www.apmortgage.com/cesar-pacheco",
      "verified_at": "2026-10-09"
    },
    "title": {
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      "source": "lender_site",
      "source_url": "https://www.apmortgage.com/cesar-pacheco",
      "verified_at": "2026-10-09"
    },
    "languages": {
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      "source": "lender_site",
      "source_url": "https://www.apmortgage.com/cesar-pacheco",
      "verified_at": "2026-10-09"
    },
    "years_licensed": 10,
    "years_experience": {
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      "source": "lender_site",
      "source_url": "https://www.apmortgage.com/cesar-pacheco",
      "verified_at": "2026-10-09"
    },
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 70,
    "current_employment": {
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      "lender_name": "American Pacific Mortgage",
      "lender_slug": "american-pacific-mortgage-1850",
      "branch_city": "Duluth",
      "branch_state": "GA",
      "branch_zip": "30096",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://www.apmortgage.com/cesar-pacheco",
      "lender_type": "imb",
      "source": "lender_site",
      "source_url": "https://www.apmortgage.com/cesar-pacheco",
      "verified_at": "2026-10-09"
    },
    "employment_history": [
      {
        "lender_nmls_id": 1850,
        "lender_name": "American Pacific Mortgage",
        "lender_slug": "american-pacific-mortgage-1850",
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        "branch_state": "GA",
        "branch_zip": "30096",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://www.apmortgage.com/cesar-pacheco",
        "lender_type": "imb",
        "source": "lender_site",
        "source_url": "https://www.apmortgage.com/cesar-pacheco",
        "verified_at": "2026-10-09"
      }
    ],
    "licenses": [
      {
        "state": "FL",
        "license_type": "state_license",
        "license_number": "LO35910",
        "status": "active",
        "issued_at": "2016-07-11",
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        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip",
        "verified_at": "2026-10-09",
        "confidence": "confirmed"
      },
      {
        "state": "AL",
        "license_type": "state_license",
        "license_number": null,
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        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.apmortgage.com/cesar-pacheco",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      },
      {
        "state": "GA",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.apmortgage.com/cesar-pacheco",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      },
      {
        "state": "IL",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.apmortgage.com/cesar-pacheco",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      },
      {
        "state": "NC",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.apmortgage.com/cesar-pacheco",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      },
      {
        "state": "SC",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.apmortgage.com/cesar-pacheco",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      },
      {
        "state": "TN",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.apmortgage.com/cesar-pacheco",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      },
      {
        "state": "VA",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.apmortgage.com/cesar-pacheco",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      }
    ],
    "specialties": [],
    "contacts": [
      {
        "kind": "linkedin_url",
        "value": "https://www.linkedin.com/in/cesar-a-pacheco-b770b25/",
        "source": "lender_site",
        "source_url": "https://www.apmortgage.com/cesar-pacheco",
        "verified_at": "2026-10-09"
      }
    ],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "22",
        "source": "lender_site",
        "source_url": "https://www.apmortgage.com/cesar-pacheco",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "education",
        "value": "Studied Civil Engineering at Santa Maria University",
        "source": "lender_site",
        "source_url": "https://www.apmortgage.com/cesar-pacheco",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "role",
        "value": "Branch Manager",
        "source": "lender_site",
        "source_url": "https://www.apmortgage.com/cesar-pacheco",
        "verified_at": "2026-10-09"
      }
    ],
    "last_verified_at": "2026-10-09",
    "updated_at": "2026-10-09 05:55:29.75217+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/cesar-pacheco-162955#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.apmortgage.com/cesar-pacheco",
      "verified_at": "2026-10-09"
    },
    "licensed_since": {
      "year": 2016,
      "state": "FL"
    },
    "federal_registration": null
  }
}