{
  "canonical_url": "https://lendb.ai/lo/nancy-lu-386116",
  "loan_officer": {
    "nmls_id": 386116,
    "slug": "nancy-lu-386116",
    "canonical_url": "https://lendb.ai/lo/nancy-lu-386116",
    "md_url": "https://lendb.ai/lo/nancy-lu-386116.md",
    "json_url": "https://lendb.ai/lo/nancy-lu-386116.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/386116",
    "full_name": {
      "value": "Nancy Lu",
      "source": "lender_site",
      "source_url": "https://homeloans.wellsfargo.com/mortgage/ny/new-york/nancy-lu",
      "verified_at": "2026-10-09"
    },
    "first_name": "Nancy",
    "last_name": "Lu",
    "headshot_url": {
      "value": "https://a.mktgcdn.com/p/kT4f5fHmfd165MDZtNXhs61Jz5LwsMUJ3r0fg0fudgs/153x181.jpg",
      "source": "lender_site",
      "source_url": "https://homeloans.wellsfargo.com/mortgage/ny/new-york/nancy-lu",
      "verified_at": "2026-10-09"
    },
    "bio": null,
    "title": {
      "value": "Private Mortgage Banker",
      "source": "lender_site",
      "source_url": "https://homeloans.wellsfargo.com/mortgage/ny/new-york/nancy-lu",
      "verified_at": "2026-10-09"
    },
    "languages": {
      "value": [
        "zh"
      ],
      "source": "lender_site",
      "source_url": "https://homeloans.wellsfargo.com/mortgage/ny/new-york/nancy-lu",
      "verified_at": "2026-10-09"
    },
    "years_licensed": null,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 70,
    "current_employment": {
      "lender_nmls_id": 399801,
      "lender_name": "Wells Fargo Home Mortgage",
      "lender_slug": "wells-fargo-399801",
      "branch_city": "New York",
      "branch_state": "NY",
      "branch_zip": "10017",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://homeloans.wellsfargo.com/mortgage/ny/new-york/nancy-lu",
      "lender_type": "bank",
      "source": "lender_site",
      "source_url": "https://homeloans.wellsfargo.com/mortgage/ny/new-york/nancy-lu",
      "verified_at": "2026-10-09"
    },
    "employment_history": [
      {
        "lender_nmls_id": 399801,
        "lender_name": "Wells Fargo Home Mortgage",
        "lender_slug": "wells-fargo-399801",
        "branch_city": "New York",
        "branch_state": "NY",
        "branch_zip": "10017",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://homeloans.wellsfargo.com/mortgage/ny/new-york/nancy-lu",
        "lender_type": "bank",
        "source": "lender_site",
        "source_url": "https://homeloans.wellsfargo.com/mortgage/ny/new-york/nancy-lu",
        "verified_at": "2026-10-09"
      }
    ],
    "licenses": [],
    "specialties": [],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "service_area",
        "value": "150 East 42nd Street, 35th Floor, New York, NY 10017",
        "source": "lender_site",
        "source_url": "https://homeloans.wellsfargo.com/mortgage/ny/new-york/nancy-lu",
        "verified_at": "2026-10-09"
      }
    ],
    "last_verified_at": "2026-10-09",
    "updated_at": "2026-10-09 10:35:03.51282+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/nancy-lu-386116#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://homeloans.wellsfargo.com/mortgage/ny/new-york/nancy-lu",
      "verified_at": "2026-10-09"
    },
    "licensed_since": null,
    "federal_registration": {
      "status": "likely",
      "basis": "employer_type",
      "employer_type": "bank",
      "note": "Federally registered MLOs aren't state-licensed; verify at NMLS"
    }
  }
}