{
  "canonical_url": "https://lendb.ai/lo/carlos-pinto-2423448",
  "loan_officer": {
    "nmls_id": 2423448,
    "slug": "carlos-pinto-2423448",
    "canonical_url": "https://lendb.ai/lo/carlos-pinto-2423448",
    "md_url": "https://lendb.ai/lo/carlos-pinto-2423448.md",
    "json_url": "https://lendb.ai/lo/carlos-pinto-2423448.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2423448",
    "full_name": {
      "value": "Carlos Pinto",
      "source": "lender_site",
      "source_url": "https://neighborhoodloans.com/carlos-pinto/",
      "verified_at": "2026-10-10"
    },
    "first_name": "Carlos",
    "last_name": "Pinto",
    "headshot_url": {
      "value": "https://neighborhoodloans.com/wp-content/uploads/2024/08/Carlos-Pinto-Headshot-Web.jpg",
      "source": "lender_site",
      "source_url": "https://neighborhoodloans.com/carlos-pinto/",
      "verified_at": "2026-10-10"
    },
    "bio": {
      "value": "Carlos has six years in the mortgage industry, including two years as a Loan Officer at Neighborhood Loans. Known for transparent, thorough guidance that helps everyday people reach homeownership.",
      "source": "lender_site",
      "source_url": "https://neighborhoodloans.com/carlos-pinto/",
      "verified_at": "2026-10-10"
    },
    "title": {
      "value": "Mortgage Loan Officer",
      "source": "lender_site",
      "source_url": "https://neighborhoodloans.com/carlos-pinto/",
      "verified_at": "2026-10-10"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://neighborhoodloans.com/carlos-pinto/",
      "verified_at": "2026-10-10"
    },
    "years_licensed": null,
    "years_experience": {
      "value": 6,
      "source": "lender_site",
      "source_url": "https://neighborhoodloans.com/carlos-pinto/",
      "verified_at": "2026-10-10"
    },
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 70,
    "current_employment": {
      "lender_nmls_id": 222982,
      "lender_name": "Neighborhood Loans",
      "lender_slug": "neighborhood-loans-222982",
      "branch_city": null,
      "branch_state": null,
      "branch_zip": null,
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://neighborhoodloans.com/carlos-pinto/",
      "lender_type": "imb",
      "source": "lender_site",
      "source_url": "https://neighborhoodloans.com/carlos-pinto/",
      "verified_at": "2026-10-10"
    },
    "employment_history": [
      {
        "lender_nmls_id": 222982,
        "lender_name": "Neighborhood Loans",
        "lender_slug": "neighborhood-loans-222982",
        "branch_city": null,
        "branch_state": null,
        "branch_zip": null,
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://neighborhoodloans.com/carlos-pinto/",
        "lender_type": "imb",
        "source": "lender_site",
        "source_url": "https://neighborhoodloans.com/carlos-pinto/",
        "verified_at": "2026-10-10"
      }
    ],
    "licenses": [],
    "specialties": [],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "6",
        "source": "lender_site",
        "source_url": "https://neighborhoodloans.com/carlos-pinto/",
        "verified_at": "2026-10-10"
      },
      {
        "kind": "years_experience",
        "value": "2 at Neighborhood Loans",
        "source": "lender_site",
        "source_url": "https://neighborhoodloans.com/carlos-pinto/",
        "verified_at": "2026-10-10"
      },
      {
        "kind": "credential",
        "value": "Passed the NMLS exam on first attempt",
        "source": "lender_site",
        "source_url": "https://neighborhoodloans.com/carlos-pinto/",
        "verified_at": "2026-10-10"
      }
    ],
    "last_verified_at": "2026-10-10",
    "updated_at": "2026-10-11 04:58:06.734715+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/carlos-pinto-2423448#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://neighborhoodloans.com/carlos-pinto/",
      "verified_at": "2026-10-10"
    },
    "earliest_license_record": null,
    "licensed_since": null,
    "federal_registration": null
  }
}