{
  "canonical_url": "https://lendb.ai/lo/claudia-torres-358398",
  "loan_officer": {
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    "slug": "claudia-torres-358398",
    "canonical_url": "https://lendb.ai/lo/claudia-torres-358398",
    "md_url": "https://lendb.ai/lo/claudia-torres-358398.md",
    "json_url": "https://lendb.ai/lo/claudia-torres-358398.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/358398",
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      "source_url": "https://encompasslending.com/ctorres/",
      "verified_at": "2026-10-15"
    },
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    "last_name": "Torres",
    "headshot_url": {
      "value": "https://encompasslending.com/wp-content/uploads/2021/04/Claudia-Torres-pict.png",
      "source": "state_regulator",
      "source_url": "https://encompasslending.com/ctorres/",
      "verified_at": "2026-10-15"
    },
    "bio": {
      "value": "Claudia Torres has worked in the mortgage industry since 1999, in roles including loan coordinator, loan processor, loan officer and office manager. They are fluent in English and Spanish and have lived in the Houston area for over 40 years.",
      "source": "state_regulator",
      "source_url": "https://encompasslending.com/ctorres/",
      "verified_at": "2026-10-15"
    },
    "title": {
      "value": "Residential Mortgage Loan Originator – Escobar Team",
      "source": "state_regulator",
      "source_url": "https://encompasslending.com/ctorres/",
      "verified_at": "2026-10-15"
    },
    "languages": {
      "value": [
        "en",
        "es"
      ],
      "source": "state_regulator",
      "source_url": "https://encompasslending.com/ctorres/",
      "verified_at": "2026-10-15"
    },
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    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 85,
    "current_employment": {
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      "lender_slug": "cornerstone-first-mortgage-292897",
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      "branch_state": "TX",
      "branch_zip": "77494",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://encompasslending.com/ctorres/",
      "lender_type": "imb",
      "source": "state_regulator",
      "source_url": "https://encompasslending.com/ctorres/",
      "verified_at": "2026-10-15"
    },
    "employment_history": [
      {
        "lender_nmls_id": 292897,
        "lender_name": "Cornerstone First Mortgage",
        "lender_slug": "cornerstone-first-mortgage-292897",
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        "branch_zip": "77494",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://encompasslending.com/ctorres/",
        "lender_type": "imb",
        "source": "state_regulator",
        "source_url": "https://encompasslending.com/ctorres/",
        "verified_at": "2026-10-15"
      }
    ],
    "licenses": [
      {
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        "license_type": "state_license",
        "license_number": null,
        "status": "active",
        "issued_at": "2017-11-15",
        "source": "state_regulator",
        "source_url": "https://www.sml.texas.gov/",
        "verified_at": "2026-10-13",
        "confidence": "confirmed"
      }
    ],
    "specialties": [],
    "lender_offers": [
      {
        "slug": "fha",
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        "lender_nmls_id": 292897,
        "lender_name": "Cornerstone First Mortgage",
        "source": "lender_site",
        "source_url": "https://www.cornerstonefirst.com",
        "verified_at": "2026-10-15"
      },
      {
        "slug": "first-time-buyer",
        "label": "First-time buyer",
        "lender_nmls_id": 292897,
        "lender_name": "Cornerstone First Mortgage",
        "source": "lender_site",
        "source_url": "https://www.cornerstonefirst.com",
        "verified_at": "2026-10-15"
      },
      {
        "slug": "heloc",
        "label": "HELOC",
        "lender_nmls_id": 292897,
        "lender_name": "Cornerstone First Mortgage",
        "source": "lender_site",
        "source_url": "https://www.cornerstonefirst.com",
        "verified_at": "2026-10-15"
      },
      {
        "slug": "investor",
        "label": "Real estate investor",
        "lender_nmls_id": 292897,
        "lender_name": "Cornerstone First Mortgage",
        "source": "lender_site",
        "source_url": "https://www.cornerstonefirst.com",
        "verified_at": "2026-10-15"
      },
      {
        "slug": "jumbo",
        "label": "Jumbo loan",
        "lender_nmls_id": 292897,
        "lender_name": "Cornerstone First Mortgage",
        "source": "lender_site",
        "source_url": "https://www.cornerstonefirst.com",
        "verified_at": "2026-10-15"
      },
      {
        "slug": "low-credit",
        "label": "Low credit score",
        "lender_nmls_id": 292897,
        "lender_name": "Cornerstone First Mortgage",
        "source": "lender_site",
        "source_url": "https://www.cornerstonefirst.com",
        "verified_at": "2026-10-15"
      },
      {
        "slug": "new-construction",
        "label": "New construction",
        "lender_nmls_id": 292897,
        "lender_name": "Cornerstone First Mortgage",
        "source": "lender_site",
        "source_url": "https://www.cornerstonefirst.com",
        "verified_at": "2026-10-15"
      },
      {
        "slug": "renovation",
        "label": "Renovation loan (203k / HomeStyle)",
        "lender_nmls_id": 292897,
        "lender_name": "Cornerstone First Mortgage",
        "source": "lender_site",
        "source_url": "https://www.cornerstonefirst.com",
        "verified_at": "2026-10-15"
      },
      {
        "slug": "reverse",
        "label": "Reverse mortgage",
        "lender_nmls_id": 292897,
        "lender_name": "Cornerstone First Mortgage",
        "source": "lender_site",
        "source_url": "https://www.cornerstonefirst.com",
        "verified_at": "2026-10-15"
      },
      {
        "slug": "self-employed",
        "label": "Self-employed",
        "lender_nmls_id": 292897,
        "lender_name": "Cornerstone First Mortgage",
        "source": "lender_site",
        "source_url": "https://www.cornerstonefirst.com",
        "verified_at": "2026-10-15"
      },
      {
        "slug": "usda",
        "label": "USDA loan",
        "lender_nmls_id": 292897,
        "lender_name": "Cornerstone First Mortgage",
        "source": "lender_site",
        "source_url": "https://www.cornerstonefirst.com",
        "verified_at": "2026-10-15"
      },
      {
        "slug": "va",
        "label": "VA loan",
        "lender_nmls_id": 292897,
        "lender_name": "Cornerstone First Mortgage",
        "source": "lender_site",
        "source_url": "https://www.cornerstonefirst.com",
        "verified_at": "2026-10-15"
      }
    ],
    "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": "years_experience",
        "value": "since 1999",
        "source": "lender_site",
        "source_url": "https://encompasslending.com/ctorres/",
        "verified_at": "2026-10-15"
      },
      {
        "kind": "role",
        "value": "Loan Partner, Escobar Team",
        "source": "lender_site",
        "source_url": "https://encompasslending.com/ctorres/",
        "verified_at": "2026-10-15"
      },
      {
        "kind": "education",
        "value": "Business Administration degree",
        "source": "lender_site",
        "source_url": "https://encompasslending.com/ctorres/",
        "verified_at": "2026-10-15"
      }
    ],
    "last_verified_at": "2026-10-15",
    "updated_at": "2026-10-15 04:43:40.121443+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/claudia-torres-358398#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://encompasslending.com/ctorres/",
      "verified_at": "2026-10-15"
    },
    "earliest_license_record": {
      "date": "2017-11-15",
      "state": "TX"
    },
    "licensed_since": {
      "year": 2017,
      "state": "TX"
    },
    "federal_registration": null
  }
}