{
  "canonical_url": "https://lendb.ai/lo/manuel-gallo-2847030",
  "loan_officer": {
    "nmls_id": 2847030,
    "slug": "manuel-gallo-2847030",
    "canonical_url": "https://lendb.ai/lo/manuel-gallo-2847030",
    "md_url": "https://lendb.ai/lo/manuel-gallo-2847030.md",
    "json_url": "https://lendb.ai/lo/manuel-gallo-2847030.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2847030",
    "full_name": {
      "value": "Manuel Gallo",
      "source": "lender_site",
      "source_url": "https://independencehl.com/manuel-gallo/",
      "verified_at": "2026-10-15"
    },
    "first_name": "Manuel",
    "last_name": "Gallo",
    "headshot_url": {
      "value": "https://independencehl.com/wp-content/uploads/2026/08/ManuelGalloWebsite-350x350.png",
      "source": "lender_site",
      "source_url": "https://independencehl.com/manuel-gallo/",
      "verified_at": "2026-10-15"
    },
    "bio": {
      "value": "Manuel Gallo has worked in mortgage lending for six years. They specialize in working with veterans on VA home loan benefits, including refinancing and VA entitlement access. Originally from Medellín, Colombia, they are a Florida State University alumnus.",
      "source": "lender_site",
      "source_url": "https://independencehl.com/manuel-gallo/",
      "verified_at": "2026-10-15"
    },
    "title": {
      "value": "Executive Loan Officer",
      "source": "lender_site",
      "source_url": "https://independencehl.com/manuel-gallo/",
      "verified_at": "2026-10-15"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://independencehl.com/manuel-gallo/",
      "verified_at": "2026-10-15"
    },
    "years_licensed": null,
    "years_experience": {
      "value": 6,
      "source": "lender_site",
      "source_url": "https://independencehl.com/manuel-gallo/",
      "verified_at": "2026-10-15"
    },
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 70,
    "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/manuel-gallo/",
      "lender_type": "imb",
      "source": "lender_site",
      "source_url": "https://independencehl.com/manuel-gallo/",
      "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/manuel-gallo/",
        "lender_type": "imb",
        "source": "lender_site",
        "source_url": "https://independencehl.com/manuel-gallo/",
        "verified_at": "2026-10-15"
      }
    ],
    "licenses": [],
    "specialties": [
      {
        "slug": "va",
        "label": "VA loan",
        "evidence": "lender_page_text",
        "confidence": 0.9,
        "basis": "bio_focus",
        "source": "lender_site",
        "source_url": "https://independencehl.com/manuel-gallo/",
        "verified_at": "2026-10-26"
      }
    ],
    "lender_offers": [],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "6",
        "source": "lender_site",
        "source_url": "https://independencehl.com/manuel-gallo/",
        "verified_at": "2026-10-15"
      },
      {
        "kind": "education",
        "value": "Florida State University",
        "source": "lender_site",
        "source_url": "https://independencehl.com/manuel-gallo/",
        "verified_at": "2026-10-15"
      }
    ],
    "last_verified_at": "2026-10-15",
    "updated_at": "2026-10-15 17:32:07.814603+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/manuel-gallo-2847030#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/manuel-gallo/",
      "verified_at": "2026-10-15"
    },
    "earliest_license_record": null,
    "licensed_since": null,
    "federal_registration": null
  }
}