{
  "canonical_url": "https://lendb.ai/lo/wayne-denham-165179",
  "loan_officer": {
    "nmls_id": 165179,
    "slug": "wayne-denham-165179",
    "canonical_url": "https://lendb.ai/lo/wayne-denham-165179",
    "md_url": "https://lendb.ai/lo/wayne-denham-165179.md",
    "json_url": "https://lendb.ai/lo/wayne-denham-165179.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/165179",
    "full_name": {
      "value": "Wayne Denham",
      "source": "lender_site",
      "source_url": "https://www.truist.com/finder/mortgage/wayne-denham-mortgage-loan-officer-chattanooga-tn-37421",
      "verified_at": "2026-10-09"
    },
    "first_name": "Wayne",
    "last_name": "Denham",
    "headshot_url": {
      "value": "https://www.truist.com/content/dam/profiles/rep/G/G93115_WayneDenham.jpg",
      "source": "lender_site",
      "source_url": "https://www.truist.com/finder/mortgage/wayne-denham-mortgage-loan-officer-chattanooga-tn-37421",
      "verified_at": "2026-10-09"
    },
    "bio": {
      "value": "Wayne Denham has more than 31 years of mortgage industry experience. He focuses on finding the best loan options and competitive rates for all clients, whether first-time or experienced homebuyers.",
      "source": "lender_site",
      "source_url": "https://www.truist.com/finder/mortgage/wayne-denham-mortgage-loan-officer-chattanooga-tn-37421",
      "verified_at": "2026-10-09"
    },
    "title": {
      "value": "Mortgage Loan Officer",
      "source": "lender_site",
      "source_url": "https://www.truist.com/finder/mortgage/wayne-denham-mortgage-loan-officer-chattanooga-tn-37421",
      "verified_at": "2026-10-09"
    },
    "languages": {
      "value": [
        "en"
      ],
      "source": "lender_site",
      "source_url": "https://www.truist.com/finder/mortgage/wayne-denham-mortgage-loan-officer-chattanooga-tn-37421",
      "verified_at": "2026-10-09"
    },
    "years_licensed": null,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 95,
    "current_employment": {
      "lender_nmls_id": 399803,
      "lender_name": "Truist Bank",
      "lender_slug": "truist-399803",
      "branch_city": "Chattanooga",
      "branch_state": "TN",
      "branch_zip": "37421",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://www.truist.com/finder/mortgage/wayne-denham-mortgage-loan-officer-chattanooga-tn-37421",
      "lender_type": "bank",
      "source": "lender_site",
      "source_url": "https://www.truist.com/finder/mortgage/wayne-denham-mortgage-loan-officer-chattanooga-tn-37421",
      "verified_at": "2026-10-09"
    },
    "employment_history": [
      {
        "lender_nmls_id": 399803,
        "lender_name": "Truist Bank",
        "lender_slug": "truist-399803",
        "branch_city": "Chattanooga",
        "branch_state": "TN",
        "branch_zip": "37421",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://www.truist.com/finder/mortgage/wayne-denham-mortgage-loan-officer-chattanooga-tn-37421",
        "lender_type": "bank",
        "source": "lender_site",
        "source_url": "https://www.truist.com/finder/mortgage/wayne-denham-mortgage-loan-officer-chattanooga-tn-37421",
        "verified_at": "2026-10-09"
      }
    ],
    "licenses": [],
    "specialties": [],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "education",
        "value": "University of Tennessee at Chattanooga (1988-1993)",
        "source": "lender_site",
        "source_url": "https://www.truist.com/finder/mortgage/wayne-denham-mortgage-loan-officer-chattanooga-tn-37421",
        "verified_at": "2026-10-09"
      }
    ],
    "last_verified_at": "2026-10-09",
    "updated_at": "2026-10-09 12:26:06.796752+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/wayne-denham-165179#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/wayne-denham-mortgage-loan-officer-chattanooga-tn-37421",
      "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"
    }
  }
}