{
  "canonical_url": "https://lendb.ai/lo/carolina-espinoza-850464",
  "loan_officer": {
    "nmls_id": 850464,
    "slug": "carolina-espinoza-850464",
    "canonical_url": "https://lendb.ai/lo/carolina-espinoza-850464",
    "md_url": "https://lendb.ai/lo/carolina-espinoza-850464.md",
    "json_url": "https://lendb.ai/lo/carolina-espinoza-850464.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/850464",
    "full_name": {
      "value": "Carolina Espinoza",
      "source": "lender_site",
      "source_url": "https://edgehomefinance.com/team-member/carolina-espinoza/",
      "verified_at": "2026-10-11"
    },
    "first_name": "Carolina",
    "last_name": "Espinoza",
    "headshot_url": {
      "value": "https://edgehomefinance.com/clients/7889/uploads/2024/12/Carolina-Photo-scaled-e1733501019702.jpg",
      "source": "lender_site",
      "source_url": "https://edgehomefinance.com/team-member/carolina-espinoza/",
      "verified_at": "2026-10-11"
    },
    "bio": null,
    "title": {
      "value": "Loan Officer",
      "source": "lender_site",
      "source_url": "https://edgehomefinance.com/team-member/carolina-espinoza/",
      "verified_at": "2026-10-11"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://edgehomefinance.com/team-member/carolina-espinoza/",
      "verified_at": "2026-10-11"
    },
    "years_licensed": null,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 60,
    "current_employment": {
      "lender_nmls_id": 891464,
      "lender_name": "Edge Home Finance",
      "lender_slug": "edge-home-finance-891464",
      "branch_city": null,
      "branch_state": null,
      "branch_zip": null,
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://edgehomefinance.com/team-member/carolina-espinoza/",
      "lender_type": "broker",
      "source": "lender_site",
      "source_url": "https://edgehomefinance.com/team-member/carolina-espinoza/",
      "verified_at": "2026-10-11"
    },
    "employment_history": [
      {
        "lender_nmls_id": 891464,
        "lender_name": "Edge Home Finance",
        "lender_slug": "edge-home-finance-891464",
        "branch_city": null,
        "branch_state": null,
        "branch_zip": null,
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://edgehomefinance.com/team-member/carolina-espinoza/",
        "lender_type": "broker",
        "source": "lender_site",
        "source_url": "https://edgehomefinance.com/team-member/carolina-espinoza/",
        "verified_at": "2026-10-11"
      },
      {
        "lender_nmls_id": 2289,
        "lender_name": "Fairway Independent Mortgage Corporation",
        "lender_slug": "fairway-independent-mortgage-2289",
        "branch_city": "Garland",
        "branch_state": "TX",
        "branch_zip": "75040",
        "start_date": null,
        "end_date": "2026-10-11",
        "lender_profile_url": "https://www.fairway.com/lo/carolina-espinoza-850464",
        "lender_type": "imb",
        "source": "lender_site",
        "source_url": "https://www.fairway.com/lo/carolina-espinoza-850464",
        "verified_at": "2026-10-09"
      }
    ],
    "licenses": [
      {
        "state": "TX",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://edgehomefinance.com/team-member/carolina-espinoza/",
        "verified_at": "2026-10-11",
        "confidence": "lender_reported"
      }
    ],
    "specialties": [],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [],
    "last_verified_at": "2026-10-11",
    "updated_at": "2026-10-11 04:29:43.522843+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/carolina-espinoza-850464#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.fairway.com/lo/carolina-espinoza-850464",
      "verified_at": "2026-10-09"
    },
    "earliest_license_record": null,
    "licensed_since": null,
    "federal_registration": null
  }
}