{
  "canonical_url": "https://lendb.ai/lo/michelle-human-335996",
  "loan_officer": {
    "nmls_id": 335996,
    "slug": "michelle-human-335996",
    "canonical_url": "https://lendb.ai/lo/michelle-human-335996",
    "md_url": "https://lendb.ai/lo/michelle-human-335996.md",
    "json_url": "https://lendb.ai/lo/michelle-human-335996.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/335996",
    "full_name": {
      "value": "Michelle Dennard",
      "source": "lender_site",
      "source_url": "https://www.embracehomeloans.com/location/florida/viera/michelle-dennard",
      "verified_at": "2026-10-09"
    },
    "first_name": "Michelle",
    "last_name": "Dennard",
    "headshot_url": {
      "value": "https://www.embracehomeloans.com/media/jehhx30l/mdennard_bio72.jpg",
      "source": "lender_site",
      "source_url": "https://www.embracehomeloans.com/location/florida/viera/michelle-dennard",
      "verified_at": "2026-10-09"
    },
    "bio": {
      "value": "Michelle Dennard is a Senior Loan Officer with years of experience guiding families through VA loans, first-time homebuyer programs, new construction financing, and rental property portfolios across Florida's Space Coast and surrounding counties.",
      "source": "lender_site",
      "source_url": "https://www.embracehomeloans.com/location/florida/viera/michelle-dennard",
      "verified_at": "2026-10-09"
    },
    "title": {
      "value": "Senior Loan Officer",
      "source": "lender_site",
      "source_url": "https://www.embracehomeloans.com/location/florida/viera/michelle-dennard",
      "verified_at": "2026-10-09"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://www.embracehomeloans.com/location/florida/viera/michelle-dennard",
      "verified_at": "2026-10-09"
    },
    "years_licensed": 12,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 85,
    "current_employment": {
      "lender_nmls_id": 2184,
      "lender_name": "Embrace Home Loans",
      "lender_slug": "embrace-home-loans-2184",
      "branch_city": "Viera",
      "branch_state": "FL",
      "branch_zip": "32940",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://www.embracehomeloans.com/location/florida/viera/michelle-dennard",
      "lender_type": "imb",
      "source": "lender_site",
      "source_url": "https://www.embracehomeloans.com/location/florida/viera/michelle-dennard",
      "verified_at": "2026-10-09"
    },
    "employment_history": [
      {
        "lender_nmls_id": 2184,
        "lender_name": "Embrace Home Loans",
        "lender_slug": "embrace-home-loans-2184",
        "branch_city": "Viera",
        "branch_state": "FL",
        "branch_zip": "32940",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://www.embracehomeloans.com/location/florida/viera/michelle-dennard",
        "lender_type": "imb",
        "source": "lender_site",
        "source_url": "https://www.embracehomeloans.com/location/florida/viera/michelle-dennard",
        "verified_at": "2026-10-09"
      }
    ],
    "licenses": [
      {
        "state": "FL",
        "license_type": "state_license",
        "license_number": "LO27746",
        "status": "active",
        "issued_at": "2014-12-15",
        "source": "state_regulator",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip",
        "verified_at": "2026-10-09",
        "confidence": "confirmed"
      }
    ],
    "specialties": [],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "service_area",
        "value": "Titusville, Florida; Brevard County including Mims, Merritt Island, Cocoa Beach, Rockledge, Melbourne, Palm Bay, Viera; Volusia County including New Smyrna Beach, Edgewater, Oak Hill, Ormond Beach, Po",
        "source": "lender_site",
        "source_url": "https://www.embracehomeloans.com/location/florida/viera/michelle-dennard",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "credential",
        "value": "Background in construction lending; coordinated financing with builders for new construction homes",
        "source": "lender_site",
        "source_url": "https://www.embracehomeloans.com/location/florida/viera/michelle-dennard",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "role",
        "value": "Outside Loan Originator at Cross Country Mortgage",
        "source": "lender_site",
        "source_url": "https://www.embracehomeloans.com/location/florida/viera/michelle-dennard",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "community",
        "value": "Volunteers with Local Church in Mims in children's ministry; supports K9s for Warriors organization",
        "source": "lender_site",
        "source_url": "https://www.embracehomeloans.com/location/florida/viera/michelle-dennard",
        "verified_at": "2026-10-09"
      }
    ],
    "last_verified_at": "2026-10-09",
    "updated_at": "2026-10-10 08:32:04.012024+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/michelle-human-335996#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.embracehomeloans.com/location/florida/viera/michelle-dennard",
      "verified_at": "2026-10-09"
    },
    "licensed_since": {
      "year": 2014,
      "state": "FL"
    },
    "federal_registration": null
  }
}