{
  "canonical_url": "https://lendb.ai/lo/luis-crespo-2799607",
  "loan_officer": {
    "nmls_id": 2799607,
    "slug": "luis-crespo-2799607",
    "canonical_url": "https://lendb.ai/lo/luis-crespo-2799607",
    "md_url": "https://lendb.ai/lo/luis-crespo-2799607.md",
    "json_url": "https://lendb.ai/lo/luis-crespo-2799607.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2799607",
    "full_name": {
      "value": "Luis Crespo",
      "source": "state_regulator",
      "source_url": "https://www.mortgageonehomeloans.com/staff-member/luis-crespo/",
      "verified_at": "2026-10-15"
    },
    "first_name": "Luis",
    "last_name": "Crespo",
    "headshot_url": {
      "value": "https://www.mortgageonehomeloans.com/wp-content/uploads/CRESPO-LUIS-HEADSHOT-314x350.png",
      "source": "state_regulator",
      "source_url": "https://www.mortgageonehomeloans.com/staff-member/luis-crespo/",
      "verified_at": "2026-10-15"
    },
    "bio": {
      "value": "Luis Crespo, based in Killeen, Texas, is bilingual in English and Spanish and brings over 15 years in financial operations and client relations.",
      "source": "state_regulator",
      "source_url": "https://www.mortgageonehomeloans.com/staff-member/luis-crespo/",
      "verified_at": "2026-10-15"
    },
    "title": {
      "value": "Loan Officer",
      "source": "state_regulator",
      "source_url": "https://www.mortgageonehomeloans.com/staff-member/luis-crespo/",
      "verified_at": "2026-10-15"
    },
    "languages": {
      "value": [
        "en",
        "es"
      ],
      "source": "state_regulator",
      "source_url": "https://www.mortgageonehomeloans.com/staff-member/luis-crespo/",
      "verified_at": "2026-10-15"
    },
    "years_licensed": null,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 85,
    "current_employment": {
      "lender_nmls_id": 898812,
      "lender_name": "MortgageOne, Inc.",
      "lender_slug": "mortgageone-inc-898812",
      "branch_city": "Killeen",
      "branch_state": "TX",
      "branch_zip": null,
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://www.mortgageonehomeloans.com/staff-member/luis-crespo/",
      "lender_type": "imb",
      "source": "state_regulator",
      "source_url": "https://www.mortgageonehomeloans.com/staff-member/luis-crespo/",
      "verified_at": "2026-10-15"
    },
    "employment_history": [
      {
        "lender_nmls_id": 898812,
        "lender_name": "MortgageOne, Inc.",
        "lender_slug": "mortgageone-inc-898812",
        "branch_city": "Killeen",
        "branch_state": "TX",
        "branch_zip": null,
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://www.mortgageonehomeloans.com/staff-member/luis-crespo/",
        "lender_type": "imb",
        "source": "state_regulator",
        "source_url": "https://www.mortgageonehomeloans.com/staff-member/luis-crespo/",
        "verified_at": "2026-10-15"
      }
    ],
    "licenses": [
      {
        "state": "FL",
        "license_type": "state_license",
        "license_number": "LO150979",
        "status": "active",
        "issued_at": "2026-09-15",
        "source": "state_regulator",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip",
        "verified_at": "2026-10-15",
        "confidence": "confirmed"
      },
      {
        "state": "TX",
        "license_type": "state_license",
        "license_number": null,
        "status": "active",
        "issued_at": "2026-03-10",
        "source": "state_regulator",
        "source_url": "https://www.sml.texas.gov/",
        "verified_at": "2026-10-13",
        "confidence": "confirmed"
      }
    ],
    "specialties": [],
    "lender_offers": [],
    "employer_program_approvals": [
      {
        "program": "fha",
        "source": "HUD",
        "as_of": "2026-08",
        "source_url": "https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot"
      }
    ],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "other",
        "value": "Over 15 years in financial operations, client relations and document processing",
        "source": "lender_site",
        "source_url": "https://www.mortgageonehomeloans.com/staff-member/luis-crespo/",
        "verified_at": "2026-10-15"
      }
    ],
    "last_verified_at": "2026-10-15",
    "updated_at": "2026-10-15 15:45:45.876635+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/luis-crespo-2799607#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.mortgageonehomeloans.com/staff-member/luis-crespo/",
      "verified_at": "2026-10-15"
    },
    "earliest_license_record": {
      "date": "2026-03-10",
      "state": "TX"
    },
    "licensed_since": {
      "year": 2026,
      "state": "TX"
    },
    "federal_registration": null
  }
}