{
  "canonical_url": "https://lendb.ai/lo/marcos-fermin-2128426",
  "loan_officer": {
    "nmls_id": 2128426,
    "slug": "marcos-fermin-2128426",
    "canonical_url": "https://lendb.ai/lo/marcos-fermin-2128426",
    "md_url": "https://lendb.ai/lo/marcos-fermin-2128426.md",
    "json_url": "https://lendb.ai/lo/marcos-fermin-2128426.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2128426",
    "full_name": {
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      "source": "lender_site",
      "source_url": "https://independencehl.com/marcos-fermin/",
      "verified_at": "2026-10-15"
    },
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    "licensed_names": [
      {
        "name": "Marcos Fermin",
        "name_with_middle_initial": "Marcos V. Fermin",
        "first_name": "Marcos",
        "middle_initial": "V",
        "last_name": "Fermin",
        "states": [
          "CA",
          "CO",
          "FL",
          "MD",
          "NV",
          "NY",
          "OR"
        ],
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      }
    ],
    "headshot_url": {
      "value": "https://independencehl.com/wp-content/uploads/2025/01/MarcosFerminWebsite-350x350.png",
      "source": "lender_site",
      "source_url": "https://independencehl.com/marcos-fermin/",
      "verified_at": "2026-10-15"
    },
    "bio": null,
    "title": {
      "value": "Executive Loan Officer",
      "source": "lender_site",
      "source_url": "https://independencehl.com/marcos-fermin/",
      "verified_at": "2026-10-15"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://independencehl.com/marcos-fermin/",
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    },
    "years_licensed": null,
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      "value": 5,
      "source": "lender_site",
      "source_url": "https://independencehl.com/marcos-fermin/",
      "verified_at": "2026-10-15"
    },
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 65,
    "current_employment": {
      "lender_nmls_id": 2524174,
      "lender_name": "INDEPENDENCE HOME LOANS LLC",
      "lender_slug": "independence-home-loans-llc-2524174",
      "branch_city": null,
      "branch_state": null,
      "branch_zip": null,
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://independencehl.com/marcos-fermin/",
      "lender_type": "imb",
      "source": "lender_site",
      "source_url": "https://independencehl.com/marcos-fermin/",
      "verified_at": "2026-10-15"
    },
    "employment_history": [
      {
        "lender_nmls_id": 2524174,
        "lender_name": "INDEPENDENCE HOME LOANS LLC",
        "lender_slug": "independence-home-loans-llc-2524174",
        "branch_city": null,
        "branch_state": null,
        "branch_zip": null,
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://independencehl.com/marcos-fermin/",
        "lender_type": "imb",
        "source": "lender_site",
        "source_url": "https://independencehl.com/marcos-fermin/",
        "verified_at": "2026-10-15"
      }
    ],
    "licenses": [
      {
        "state": "FL",
        "license_type": "state_license",
        "license_number": "LO135966",
        "status": "active",
        "issued_at": "2025-03-05",
        "source": "state_regulator",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip",
        "verified_at": "2026-10-15",
        "confidence": "confirmed",
        "regulator": "fl"
      },
      {
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        "license_type": "state_license",
        "license_number": "100531699",
        "status": "active",
        "issued_at": "2022-03-28",
        "source": "state_regulator",
        "source_url": "https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=296835&contact=523069",
        "verified_at": "2026-10-16",
        "confidence": "confirmed",
        "regulator": "co"
      },
      {
        "state": "NY",
        "license_type": "state_license",
        "license_number": null,
        "status": "expired",
        "issued_at": null,
        "source": "state_regulator",
        "source_url": "https://www.dfs.ny.gov/",
        "verified_at": "2026-10-14",
        "confidence": "confirmed",
        "regulator": "ny"
      },
      {
        "state": "OR",
        "license_type": "state_license",
        "license_number": null,
        "status": "active",
        "issued_at": "2025-02-26",
        "source": "state_regulator",
        "source_url": "https://dfr.oregon.gov/",
        "verified_at": "2026-10-20",
        "confidence": "confirmed",
        "regulator": "or"
      },
      {
        "state": "WI",
        "license_type": "state_license",
        "license_number": "2128426",
        "status": "active",
        "issued_at": "2025-12-08",
        "source": "state_regulator",
        "source_url": "https://dfi.wi.gov/Pages/BusinessServices/MortgageBanking/",
        "verified_at": "2026-10-21",
        "confidence": "confirmed",
        "regulator": "wi"
      },
      {
        "state": "CA",
        "license_type": "state_license",
        "license_number": "CA-DFPI2128426",
        "status": "active",
        "issued_at": "2025-11-03",
        "source": "state_regulator",
        "source_url": "https://dfpi.ca.gov/",
        "verified_at": "2026-10-24",
        "confidence": "confirmed",
        "regulator": "ca_dfpi",
        "regulator_name": "California Department of Financial Protection and Innovation"
      },
      {
        "state": "MD",
        "license_type": "state_license",
        "license_number": null,
        "status": "active",
        "issued_at": null,
        "source": "state_regulator",
        "source_url": "https://www.labor.maryland.gov/finance/",
        "verified_at": "2026-10-26",
        "confidence": "confirmed",
        "regulator": "md"
      },
      {
        "state": "NV",
        "license_type": "state_license",
        "license_number": "NMLO-138829",
        "status": "active",
        "issued_at": "2025-11-11",
        "source": "state_regulator",
        "source_url": "https://mld.nv.gov/",
        "verified_at": "2026-10-31",
        "confidence": "confirmed",
        "regulator": "nv"
      }
    ],
    "specialties": [
      {
        "slug": "va",
        "label": "VA loan",
        "evidence": "lender_page_text",
        "confidence": 0.9,
        "source": "lender_site",
        "source_url": "https://independencehl.com/marcos-fermin/",
        "verified_at": "2026-10-26"
      }
    ],
    "lender_offers": [],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "over 15",
        "source": "lender_site",
        "source_url": "https://independencehl.com/marcos-fermin/",
        "verified_at": "2026-10-15"
      },
      {
        "kind": "years_experience",
        "value": "5",
        "source": "lender_site",
        "source_url": "https://independencehl.com/marcos-fermin/",
        "verified_at": "2026-10-15"
      },
      {
        "kind": "education",
        "value": "Bachelor's degree in Finance, Florida International University",
        "source": "lender_site",
        "source_url": "https://independencehl.com/marcos-fermin/",
        "verified_at": "2026-10-15"
      }
    ],
    "last_verified_at": "2026-10-31",
    "updated_at": "2026-10-31 20:06:23.660637+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/marcos-fermin-2128426#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://independencehl.com/marcos-fermin/",
      "verified_at": "2026-10-15"
    },
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      "date": "2022-03-28",
      "state": "CO"
    },
    "licensed_since": {
      "year": 2022,
      "state": "CO"
    },
    "federal_registration": null
  }
}