{
  "canonical_url": "https://lendb.ai/lo/melinda-munoz-293463",
  "loan_officer": {
    "nmls_id": 293463,
    "slug": "melinda-munoz-293463",
    "canonical_url": "https://lendb.ai/lo/melinda-munoz-293463",
    "md_url": "https://lendb.ai/lo/melinda-munoz-293463.md",
    "json_url": "https://lendb.ai/lo/melinda-munoz-293463.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/293463",
    "full_name": {
      "value": "Melinda Munoz",
      "source": "lender_site",
      "source_url": "https://www.uhm.com/loan-officers/patty/",
      "verified_at": "2026-10-09"
    },
    "first_name": "Melinda",
    "last_name": "Munoz",
    "headshot_url": {
      "value": "https://www.uhm.com/media/3727/melinda-munoz-website.png",
      "source": "lender_site",
      "source_url": "https://www.uhm.com/loan-officers/patty/",
      "verified_at": "2026-10-09"
    },
    "bio": {
      "value": "Melinda has 26 years in the mortgage industry, starting as a loan processor and transitioning to originating loans. They work extensively with first-time homebuyers, repeat buyers, and investors, with a focus on down payment assistance programs.",
      "source": "lender_site",
      "source_url": "https://www.uhm.com/loan-officers/patty/",
      "verified_at": "2026-10-09"
    },
    "title": {
      "value": "Branch Manager",
      "source": "lender_site",
      "source_url": "https://www.uhm.com/loan-officers/patty/",
      "verified_at": "2026-10-09"
    },
    "languages": {
      "value": [
        "es"
      ],
      "source": "lender_site",
      "source_url": "https://www.uhm.com/loan-officers/patty/",
      "verified_at": "2026-10-09"
    },
    "years_licensed": null,
    "years_experience": {
      "value": 26,
      "source": "lender_site",
      "source_url": "https://www.uhm.com/loan-officers/patty/",
      "verified_at": "2026-10-09"
    },
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 100,
    "current_employment": {
      "lender_nmls_id": 2229,
      "lender_name": "Union Home Mortgage",
      "lender_slug": "union-home-mortgage-2229",
      "branch_city": null,
      "branch_state": "TX",
      "branch_zip": null,
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://www.uhm.com/loan-officers/patty/",
      "lender_type": "imb",
      "source": "lender_site",
      "source_url": "https://www.uhm.com/loan-officers/patty/",
      "verified_at": "2026-10-09"
    },
    "employment_history": [
      {
        "lender_nmls_id": 2229,
        "lender_name": "Union Home Mortgage",
        "lender_slug": "union-home-mortgage-2229",
        "branch_city": null,
        "branch_state": "TX",
        "branch_zip": null,
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://www.uhm.com/loan-officers/patty/",
        "lender_type": "imb",
        "source": "lender_site",
        "source_url": "https://www.uhm.com/loan-officers/patty/",
        "verified_at": "2026-10-09"
      }
    ],
    "licenses": [
      {
        "state": "TX",
        "license_type": "state_license",
        "license_number": "293463",
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.uhm.com/loan-officers/patty/",
        "verified_at": "2026-10-09"
      }
    ],
    "specialties": [
      {
        "slug": "down-payment-assistance",
        "label": "Down payment assistance",
        "evidence": "lender_page_text",
        "confidence": 0.9,
        "source": "lender_site",
        "source_url": "https://www.uhm.com/loan-officers/patty/",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "first-time-buyer",
        "label": "First-time buyer",
        "evidence": "lender_page_text",
        "confidence": 0.9,
        "source": "lender_site",
        "source_url": "https://www.uhm.com/loan-officers/patty/",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "investor",
        "label": "Real estate investor",
        "evidence": "lender_page_text",
        "confidence": 0.9,
        "source": "lender_site",
        "source_url": "https://www.uhm.com/loan-officers/patty/",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "va",
        "label": "VA loan",
        "evidence": "lender_page_text",
        "confidence": 0.9,
        "source": "lender_site",
        "source_url": "https://www.uhm.com/loan-officers/patty/",
        "verified_at": "2026-10-09"
      }
    ],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "26",
        "source": "lender_site",
        "source_url": "https://www.uhm.com/loan-officers/patty/",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "role",
        "value": "Started as Loan Processor, transitioned to loan origination",
        "source": "lender_site",
        "source_url": "https://www.uhm.com/loan-officers/patty/",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "service_area",
        "value": "Houston and surrounding areas",
        "source": "lender_site",
        "source_url": "https://www.uhm.com/loan-officers/patty/",
        "verified_at": "2026-10-09"
      }
    ],
    "last_verified_at": "2026-10-09",
    "updated_at": "2026-10-09 03:35:39.726556+00",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/melinda-munoz-293463#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.uhm.com/loan-officers/patty/",
      "verified_at": "2026-10-09"
    }
  }
}