{
  "canonical_url": "https://lendb.ai/lo/steven-hernandez-404540",
  "loan_officer": {
    "nmls_id": 404540,
    "slug": "steven-hernandez-404540",
    "canonical_url": "https://lendb.ai/lo/steven-hernandez-404540",
    "md_url": "https://lendb.ai/lo/steven-hernandez-404540.md",
    "json_url": "https://lendb.ai/lo/steven-hernandez-404540.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/404540",
    "full_name": {
      "value": "Steven Hernandez",
      "source": "lender_site",
      "source_url": "https://crosscountrymortgage.com/salem-or-5570/steven-hernandez/",
      "verified_at": "2026-10-09"
    },
    "first_name": "Steven",
    "last_name": "Hernandez",
    "headshot_url": {
      "value": "https://thevault.ccm.com/asset/a55a1924-5239-451c-a2df-87e6c94b15e0/Website/5514_Hernandez_404540.jpg",
      "source": "lender_site",
      "source_url": "https://crosscountrymortgage.com/salem-or-5570/steven-hernandez/",
      "verified_at": "2026-10-09"
    },
    "bio": {
      "value": "Steven has 27 years of mortgage origination experience. He works extensively with the Spanish-speaking community in Oregon's Willamette Valley and provides clear communication to clients through application to closing.",
      "source": "lender_site",
      "source_url": "https://crosscountrymortgage.com/salem-or-5570/steven-hernandez/",
      "verified_at": "2026-10-09"
    },
    "title": {
      "value": "Originating Branch Manager",
      "source": "lender_site",
      "source_url": "https://crosscountrymortgage.com/salem-or-5570/steven-hernandez/",
      "verified_at": "2026-10-09"
    },
    "languages": {
      "value": [
        "es"
      ],
      "source": "lender_site",
      "source_url": "https://crosscountrymortgage.com/salem-or-5570/steven-hernandez/",
      "verified_at": "2026-10-09"
    },
    "years_licensed": null,
    "years_experience": {
      "value": 27,
      "source": "lender_site",
      "source_url": "https://crosscountrymortgage.com/salem-or-5570/steven-hernandez/",
      "verified_at": "2026-10-09"
    },
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 100,
    "current_employment": {
      "lender_nmls_id": 3029,
      "lender_name": "CrossCountry Mortgage",
      "lender_slug": "crosscountry-mortgage-3029",
      "branch_city": "Salem",
      "branch_state": "OR",
      "branch_zip": "97301",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://crosscountrymortgage.com/salem-or-5570/steven-hernandez/",
      "lender_type": "imb",
      "source": "lender_site",
      "source_url": "https://crosscountrymortgage.com/salem-or-5570/steven-hernandez/",
      "verified_at": "2026-10-09"
    },
    "employment_history": [
      {
        "lender_nmls_id": 3029,
        "lender_name": "CrossCountry Mortgage",
        "lender_slug": "crosscountry-mortgage-3029",
        "branch_city": "Salem",
        "branch_state": "OR",
        "branch_zip": "97301",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://crosscountrymortgage.com/salem-or-5570/steven-hernandez/",
        "lender_type": "imb",
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/salem-or-5570/steven-hernandez/",
        "verified_at": "2026-10-09"
      }
    ],
    "licenses": [
      {
        "state": "HI",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/salem-or-5570/steven-hernandez/",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      },
      {
        "state": "OR",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/salem-or-5570/steven-hernandez/",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      },
      {
        "state": "WA",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/salem-or-5570/steven-hernandez/",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      }
    ],
    "specialties": [
      {
        "slug": "fha",
        "label": "FHA loan",
        "evidence": "lender_page_text",
        "confidence": 0.1,
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/salem-or-5570/steven-hernandez/",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "first-time-buyer",
        "label": "First-time buyer",
        "evidence": "lender_page_text",
        "confidence": 0.1,
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/salem-or-5570/steven-hernandez/",
        "verified_at": "2026-10-09"
      }
    ],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "27",
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/salem-or-5570/steven-hernandez/",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "education",
        "value": "Bachelor's degree from University of Oregon, Master's degree from Portland State University",
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/salem-or-5570/steven-hernandez/",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "service_area",
        "value": "Willamette Valley, Oregon",
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/salem-or-5570/steven-hernandez/",
        "verified_at": "2026-10-09"
      }
    ],
    "last_verified_at": "2026-10-09",
    "updated_at": "2026-10-09 15:09:32.48652+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/steven-hernandez-404540#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://crosscountrymortgage.com/salem-or-5570/steven-hernandez/",
      "verified_at": "2026-10-09"
    },
    "licensed_since": null,
    "federal_registration": null
  }
}