{
  "canonical_url": "https://lendb.ai/lo/miranda-cummins-1685809",
  "loan_officer": {
    "nmls_id": 1685809,
    "slug": "miranda-cummins-1685809",
    "canonical_url": "https://lendb.ai/lo/miranda-cummins-1685809",
    "md_url": "https://lendb.ai/lo/miranda-cummins-1685809.md",
    "json_url": "https://lendb.ai/lo/miranda-cummins-1685809.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1685809",
    "full_name": {
      "value": "Miranda Cummins",
      "source": "lender_site",
      "source_url": "https://www.truist.com/finder/mortgage/miranda-cummins-mortgage-loan-officer-winston-salem-nc-27104",
      "verified_at": "2026-10-09"
    },
    "first_name": "Miranda",
    "last_name": "Cummins",
    "headshot_url": {
      "value": "https://www.truist.com/content/dam/profiles/rep/G/G93047_Miranda Cummins.jpg",
      "source": "lender_site",
      "source_url": "https://www.truist.com/finder/mortgage/miranda-cummins-mortgage-loan-officer-winston-salem-nc-27104",
      "verified_at": "2026-10-09"
    },
    "bio": {
      "value": "Miranda helps clients navigate the home loan process with transparency and efficiency. Her focus is on making the loan application process easy to understand and delivering an exceptional home financing experience.",
      "source": "lender_site",
      "source_url": "https://www.truist.com/finder/mortgage/miranda-cummins-mortgage-loan-officer-winston-salem-nc-27104",
      "verified_at": "2026-10-09"
    },
    "title": {
      "value": "Mortgage Loan Officer",
      "source": "lender_site",
      "source_url": "https://www.truist.com/finder/mortgage/miranda-cummins-mortgage-loan-officer-winston-salem-nc-27104",
      "verified_at": "2026-10-09"
    },
    "languages": {
      "value": [
        "en"
      ],
      "source": "lender_site",
      "source_url": "https://www.truist.com/finder/mortgage/miranda-cummins-mortgage-loan-officer-winston-salem-nc-27104",
      "verified_at": "2026-10-09"
    },
    "years_licensed": null,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 85,
    "current_employment": {
      "lender_nmls_id": 399803,
      "lender_name": "Truist Bank",
      "lender_slug": "truist-399803",
      "branch_city": "Winston Salem",
      "branch_state": "NC",
      "branch_zip": "27104",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://www.truist.com/finder/mortgage/miranda-cummins-mortgage-loan-officer-winston-salem-nc-27104",
      "lender_type": "bank",
      "source": "lender_site",
      "source_url": "https://www.truist.com/finder/mortgage/miranda-cummins-mortgage-loan-officer-winston-salem-nc-27104",
      "verified_at": "2026-10-09"
    },
    "employment_history": [
      {
        "lender_nmls_id": 399803,
        "lender_name": "Truist Bank",
        "lender_slug": "truist-399803",
        "branch_city": "Winston Salem",
        "branch_state": "NC",
        "branch_zip": "27104",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://www.truist.com/finder/mortgage/miranda-cummins-mortgage-loan-officer-winston-salem-nc-27104",
        "lender_type": "bank",
        "source": "lender_site",
        "source_url": "https://www.truist.com/finder/mortgage/miranda-cummins-mortgage-loan-officer-winston-salem-nc-27104",
        "verified_at": "2026-10-09"
      }
    ],
    "licenses": [],
    "specialties": [],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "education",
        "value": "Master of Business Administration from University of North Carolina at Pembroke, 2020",
        "source": "lender_site",
        "source_url": "https://www.truist.com/finder/mortgage/miranda-cummins-mortgage-loan-officer-winston-salem-nc-27104",
        "verified_at": "2026-10-09"
      }
    ],
    "last_verified_at": "2026-10-09",
    "updated_at": "2026-10-09 09:09:01.822728+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/miranda-cummins-1685809#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/miranda-cummins-mortgage-loan-officer-winston-salem-nc-27104",
      "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"
    }
  }
}