{
  "canonical_url": "https://lendb.ai/lo/melissa-hoover-195039",
  "loan_officer": {
    "nmls_id": 195039,
    "slug": "melissa-hoover-195039",
    "canonical_url": "https://lendb.ai/lo/melissa-hoover-195039",
    "md_url": "https://lendb.ai/lo/melissa-hoover-195039.md",
    "json_url": "https://lendb.ai/lo/melissa-hoover-195039.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/195039",
    "full_name": {
      "value": "Melissa Hoover",
      "source": "lender_site",
      "source_url": "https://www.highlandsmortgage.com/agents/melissa-hoover/",
      "verified_at": "2026-10-09"
    },
    "first_name": "Melissa",
    "last_name": "Hoover",
    "headshot_url": null,
    "bio": {
      "value": "Melissa is the Branch Manager with over 20 years in the mortgage industry, including roles at CTX Mortgage, SWBC Mortgage, George Mason Mortgage, and Prospect Mortgage.",
      "source": "lender_site",
      "source_url": "https://www.highlandsmortgage.com/agents/melissa-hoover/",
      "verified_at": "2026-10-09"
    },
    "title": {
      "value": "Senior Loan Officer/Sales Manager",
      "source": "lender_site",
      "source_url": "https://www.highlandsmortgage.com/agents/melissa-hoover/",
      "verified_at": "2026-10-09"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://www.highlandsmortgage.com/agents/melissa-hoover/",
      "verified_at": "2026-10-09"
    },
    "years_licensed": null,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 80,
    "current_employment": {
      "lender_nmls_id": 134871,
      "lender_name": "Highlands Residential Mortgage",
      "lender_slug": "highlands-residential-mortgage-134871",
      "branch_city": "Allen",
      "branch_state": "TX",
      "branch_zip": "75013",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://www.highlandsmortgage.com/agents/melissa-hoover/",
      "lender_type": "imb",
      "source": "lender_site",
      "source_url": "https://www.highlandsmortgage.com/agents/melissa-hoover/",
      "verified_at": "2026-10-09"
    },
    "employment_history": [
      {
        "lender_nmls_id": 134871,
        "lender_name": "Highlands Residential Mortgage",
        "lender_slug": "highlands-residential-mortgage-134871",
        "branch_city": "Allen",
        "branch_state": "TX",
        "branch_zip": "75013",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://www.highlandsmortgage.com/agents/melissa-hoover/",
        "lender_type": "imb",
        "source": "lender_site",
        "source_url": "https://www.highlandsmortgage.com/agents/melissa-hoover/",
        "verified_at": "2026-10-09"
      }
    ],
    "licenses": [
      {
        "state": "FL",
        "license_type": "state_license",
        "license_number": "LO85626",
        "status": "expired",
        "issued_at": "2021-04-14",
        "source": "state_regulator",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip",
        "verified_at": "2026-10-09",
        "confidence": "confirmed"
      },
      {
        "state": "DC",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.highlandsmortgage.com/agents/melissa-hoover/",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      },
      {
        "state": "MD",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.highlandsmortgage.com/agents/melissa-hoover/",
        "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.highlandsmortgage.com/agents/melissa-hoover/",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      }
    ],
    "specialties": [],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "20+",
        "source": "lender_site",
        "source_url": "https://www.highlandsmortgage.com/agents/melissa-hoover/",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "role",
        "value": "Branch Manager",
        "source": "lender_site",
        "source_url": "https://www.highlandsmortgage.com/agents/melissa-hoover/",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "credential",
        "value": "Top 1% of Mortgage originators in America",
        "source": "lender_site",
        "source_url": "https://www.highlandsmortgage.com/agents/melissa-hoover/",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "credential",
        "value": "Employee of the Year",
        "source": "lender_site",
        "source_url": "https://www.highlandsmortgage.com/agents/melissa-hoover/",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "community",
        "value": "Founder of Women in Networking Northern Virginia",
        "source": "lender_site",
        "source_url": "https://www.highlandsmortgage.com/agents/melissa-hoover/",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "community",
        "value": "Member of National Association of Professional Women",
        "source": "lender_site",
        "source_url": "https://www.highlandsmortgage.com/agents/melissa-hoover/",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "community",
        "value": "Member of Loudoun County Chamber of Commerce",
        "source": "lender_site",
        "source_url": "https://www.highlandsmortgage.com/agents/melissa-hoover/",
        "verified_at": "2026-10-09"
      }
    ],
    "last_verified_at": "2026-10-09",
    "updated_at": "2026-10-10 07:15:55.507817+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/melissa-hoover-195039#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.highlandsmortgage.com/agents/melissa-hoover/",
      "verified_at": "2026-10-09"
    },
    "earliest_license_record": {
      "date": "2021-04-14",
      "state": "FL"
    },
    "licensed_since": {
      "year": 2021,
      "state": "FL"
    },
    "federal_registration": null
  }
}