{
  "canonical_url": "https://lendb.ai/lo/ricardo-gonzalez-1850305",
  "loan_officer": {
    "nmls_id": 1850305,
    "slug": "ricardo-gonzalez-1850305",
    "canonical_url": "https://lendb.ai/lo/ricardo-gonzalez-1850305",
    "md_url": "https://lendb.ai/lo/ricardo-gonzalez-1850305.md",
    "json_url": "https://lendb.ai/lo/ricardo-gonzalez-1850305.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1850305",
    "full_name": {
      "value": "Ricardo Gonzalez",
      "source": "lender_site",
      "source_url": "https://loanofficers.bannerbank.com/wa/yakima/ricardo-gonzalez",
      "verified_at": "2026-10-16"
    },
    "first_name": "Ricardo",
    "last_name": "Gonzalez",
    "headshot_url": {
      "value": "https://a.mktgcdn.com/p/SVCqDgsfvOqiWFVGxf4zSLKGVGQhZdSJiCxei59Y_B0/1200x1500.jpg",
      "source": "lender_site",
      "source_url": "https://loanofficers.bannerbank.com/wa/yakima/ricardo-gonzalez",
      "verified_at": "2026-10-16"
    },
    "bio": null,
    "title": {
      "value": "Residential Loan Officer, Se habla español",
      "source": "lender_site",
      "source_url": "https://loanofficers.bannerbank.com/wa/yakima/ricardo-gonzalez",
      "verified_at": "2026-10-16"
    },
    "languages": {
      "value": [
        "es"
      ],
      "source": "lender_site",
      "source_url": "https://loanofficers.bannerbank.com/wa/yakima/ricardo-gonzalez",
      "verified_at": "2026-10-16"
    },
    "years_licensed": null,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 70,
    "current_employment": {
      "lender_nmls_id": 439266,
      "lender_name": "Banner Bank",
      "lender_slug": "banner-bank-439266",
      "branch_city": "Yakima",
      "branch_state": "WA",
      "branch_zip": "98902",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://loanofficers.bannerbank.com/wa/yakima/ricardo-gonzalez",
      "lender_type": "bank",
      "source": "lender_site",
      "source_url": "https://loanofficers.bannerbank.com/wa/yakima/ricardo-gonzalez",
      "verified_at": "2026-10-16"
    },
    "employment_history": [
      {
        "lender_nmls_id": 439266,
        "lender_name": "Banner Bank",
        "lender_slug": "banner-bank-439266",
        "branch_city": "Yakima",
        "branch_state": "WA",
        "branch_zip": "98902",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://loanofficers.bannerbank.com/wa/yakima/ricardo-gonzalez",
        "lender_type": "bank",
        "source": "lender_site",
        "source_url": "https://loanofficers.bannerbank.com/wa/yakima/ricardo-gonzalez",
        "verified_at": "2026-10-16"
      }
    ],
    "licenses": [],
    "specialties": [],
    "lender_offers": [],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "since 2014",
        "source": "lender_site",
        "source_url": "https://loanofficers.bannerbank.com/wa/yakima/ricardo-gonzalez",
        "verified_at": "2026-10-16"
      },
      {
        "kind": "credential",
        "value": "three Banner's Best awards",
        "source": "lender_site",
        "source_url": "https://loanofficers.bannerbank.com/wa/yakima/ricardo-gonzalez",
        "verified_at": "2026-10-16"
      }
    ],
    "last_verified_at": "2026-10-16",
    "updated_at": "2026-10-16 14:13:36.110737+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/ricardo-gonzalez-1850305#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://loanofficers.bannerbank.com/wa/yakima/ricardo-gonzalez",
      "verified_at": "2026-10-16"
    },
    "earliest_license_record": null,
    "licensed_since": null,
    "federal_registration": {
      "status": "likely",
      "basis": "employer_type",
      "employer_type": "bank",
      "note": "Federally registered MLOs aren't state-licensed; verify at NMLS"
    }
  }
}