{
  "canonical_url": "https://lendb.ai/lo/cynthia-g-fogg-446156",
  "loan_officer": {
    "nmls_id": 446156,
    "slug": "cynthia-g-fogg-446156",
    "canonical_url": "https://lendb.ai/lo/cynthia-g-fogg-446156",
    "md_url": "https://lendb.ai/lo/cynthia-g-fogg-446156.md",
    "json_url": "https://lendb.ai/lo/cynthia-g-fogg-446156.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/446156",
    "full_name": {
      "value": "Cynthia G. Fogg",
      "source": "lender_site",
      "source_url": "https://www.bangor.com/personal-banking/borrowing/mortgages/find-a-mortgage-lender/cynthia-g-fogg/",
      "verified_at": "2026-10-16"
    },
    "first_name": "Cynthia",
    "last_name": "Fogg",
    "headshot_url": {
      "value": "https://www.bangor.com/getmedia/6125a5e3-56bb-4811-94e6-8b8e3a033bd3/Cindy-Fogg.jpg?width=614&height=768&ext=.jpg",
      "source": "lender_site",
      "source_url": "https://www.bangor.com/personal-banking/borrowing/mortgages/find-a-mortgage-lender/cynthia-g-fogg/",
      "verified_at": "2026-10-16"
    },
    "bio": null,
    "title": {
      "value": "VP, Mortgage Loan Officer",
      "source": "lender_site",
      "source_url": "https://www.bangor.com/personal-banking/borrowing/mortgages/find-a-mortgage-lender/cynthia-g-fogg/",
      "verified_at": "2026-10-16"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://www.bangor.com/personal-banking/borrowing/mortgages/find-a-mortgage-lender/cynthia-g-fogg/",
      "verified_at": "2026-10-16"
    },
    "years_licensed": null,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 75,
    "current_employment": {
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      "lender_name": "Bangor Savings Bank",
      "lender_slug": "bangor-savings-bank-449200",
      "branch_city": "Bangor",
      "branch_state": "ME",
      "branch_zip": null,
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://www.bangor.com/personal-banking/borrowing/mortgages/find-a-mortgage-lender/cynthia-g-fogg/",
      "lender_type": "bank",
      "source": "lender_site",
      "source_url": "https://www.bangor.com/personal-banking/borrowing/mortgages/find-a-mortgage-lender/cynthia-g-fogg/",
      "verified_at": "2026-10-16"
    },
    "employment_history": [
      {
        "lender_nmls_id": 449200,
        "lender_name": "Bangor Savings Bank",
        "lender_slug": "bangor-savings-bank-449200",
        "branch_city": "Bangor",
        "branch_state": "ME",
        "branch_zip": null,
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://www.bangor.com/personal-banking/borrowing/mortgages/find-a-mortgage-lender/cynthia-g-fogg/",
        "lender_type": "bank",
        "source": "lender_site",
        "source_url": "https://www.bangor.com/personal-banking/borrowing/mortgages/find-a-mortgage-lender/cynthia-g-fogg/",
        "verified_at": "2026-10-16"
      }
    ],
    "licenses": [],
    "specialties": [
      {
        "slug": "first-time-buyer",
        "label": "First-time buyer",
        "evidence": "lender_page_text",
        "confidence": 0.6,
        "source": "lender_site",
        "source_url": "https://www.bangor.com/personal-banking/borrowing/mortgages/find-a-mortgage-lender/cynthia-g-fogg/",
        "verified_at": "2026-10-26"
      },
      {
        "slug": "refinance",
        "label": "Refinance",
        "evidence": "lender_page_text",
        "confidence": 0.6,
        "source": "lender_site",
        "source_url": "https://www.bangor.com/personal-banking/borrowing/mortgages/find-a-mortgage-lender/cynthia-g-fogg/",
        "verified_at": "2026-10-26"
      }
    ],
    "lender_offers": [],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "service_area",
        "value": "Bangor, Brownville, Dexter, Dover-Foxcroft, Greenville, Howland, Jackman, Lincoln, Medway, Millinocket, Monson, Seboeis",
        "source": "lender_site",
        "source_url": "https://www.bangor.com/personal-banking/borrowing/mortgages/find-a-mortgage-lender/cynthia-g-fogg/",
        "verified_at": "2026-10-16"
      },
      {
        "kind": "education",
        "value": "University of Maine at Orono and Husson University (master's degree)",
        "source": "lender_site",
        "source_url": "https://www.bangor.com/personal-banking/borrowing/mortgages/find-a-mortgage-lender/cynthia-g-fogg/",
        "verified_at": "2026-10-16"
      },
      {
        "kind": "community",
        "value": "Family Selection Committee, Habitat for Humanity of Greater Bangor",
        "source": "lender_site",
        "source_url": "https://www.bangor.com/personal-banking/borrowing/mortgages/find-a-mortgage-lender/cynthia-g-fogg/",
        "verified_at": "2026-10-16"
      }
    ],
    "last_verified_at": "2026-10-16",
    "updated_at": "2026-10-21 19:26:18.36191+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/cynthia-g-fogg-446156#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.bangor.com/personal-banking/borrowing/mortgages/find-a-mortgage-lender/cynthia-g-fogg/",
      "verified_at": "2026-10-16"
    },
    "earliest_license_record": null,
    "licensed_since": null,
    "federal_registration": {
      "status": "likely",
      "basis": "employer_type",
      "employer_type": "bank",
      "note": "Federally registered MLOs aren't state-licensed; verify at NMLS"
    }
  }
}