{
  "canonical_url": "https://lendb.ai/lo/tanny-waters-892213",
  "loan_officer": {
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    "slug": "tanny-waters-892213",
    "canonical_url": "https://lendb.ai/lo/tanny-waters-892213",
    "md_url": "https://lendb.ai/lo/tanny-waters-892213.md",
    "json_url": "https://lendb.ai/lo/tanny-waters-892213.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/892213",
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      "source_url": "https://c2financial.com/find-a-loan-officer/twaters/",
      "verified_at": "2026-10-09"
    },
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    "last_name": "Waters",
    "headshot_url": null,
    "bio": {
      "value": "Tanny Waters is a mortgage broker with 19 years of experience helping buyers through home financing. Licensed in HI, CA, WA, CO, TX, and FL, they specialize in clear communication and creative solutions for challenging loans.",
      "source": "lender_site",
      "source_url": "https://c2financial.com/find-a-loan-officer/twaters/",
      "verified_at": "2026-10-09"
    },
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      "source": "lender_site",
      "source_url": "https://c2financial.com/find-a-loan-officer/twaters/",
      "verified_at": "2026-10-09"
    },
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      "source_url": "https://c2financial.com/find-a-loan-officer/twaters/",
      "verified_at": "2026-10-09"
    },
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      "value": 19,
      "source": "lender_site",
      "source_url": "https://c2financial.com/find-a-loan-officer/twaters/",
      "verified_at": "2026-10-09"
    },
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    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 80,
    "current_employment": {
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      "lender_name": "C2 Financial Corporation",
      "lender_slug": "c2-financial-corporation-135622",
      "branch_city": null,
      "branch_state": "HI",
      "branch_zip": null,
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://c2financial.com/find-a-loan-officer/twaters/",
      "lender_type": "broker",
      "source": "lender_site",
      "source_url": "https://c2financial.com/find-a-loan-officer/twaters/",
      "verified_at": "2026-10-09"
    },
    "employment_history": [
      {
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        "lender_name": "C2 Financial Corporation",
        "lender_slug": "c2-financial-corporation-135622",
        "branch_city": null,
        "branch_state": "HI",
        "branch_zip": null,
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://c2financial.com/find-a-loan-officer/twaters/",
        "lender_type": "broker",
        "source": "lender_site",
        "source_url": "https://c2financial.com/find-a-loan-officer/twaters/",
        "verified_at": "2026-10-09"
      }
    ],
    "licenses": [
      {
        "state": "FL",
        "license_type": "state_license",
        "license_number": "LO140733",
        "status": "active",
        "issued_at": "2025-08-22",
        "source": "state_regulator",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip",
        "verified_at": "2026-10-09",
        "confidence": "confirmed"
      },
      {
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        "license_type": "state_license",
        "license_number": "100537951",
        "status": "active",
        "issued_at": "2024-01-03",
        "source": "state_regulator",
        "source_url": "https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=323181&contact=420615",
        "verified_at": "2026-10-09",
        "confidence": "confirmed"
      },
      {
        "state": "CA",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://c2financial.com/find-a-loan-officer/twaters/",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      },
      {
        "state": "HI",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://c2financial.com/find-a-loan-officer/twaters/",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      },
      {
        "state": "TX",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://c2financial.com/find-a-loan-officer/twaters/",
        "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://c2financial.com/find-a-loan-officer/twaters/",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      }
    ],
    "specialties": [
      {
        "slug": "fha",
        "label": "FHA loan",
        "evidence": "lender_page_text",
        "confidence": 0.7,
        "source": "lender_site",
        "source_url": "https://c2financial.com/find-a-loan-officer/twaters/",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "jumbo",
        "label": "Jumbo loan",
        "evidence": "lender_page_text",
        "confidence": 0.7,
        "source": "lender_site",
        "source_url": "https://c2financial.com/find-a-loan-officer/twaters/",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "usda",
        "label": "USDA loan",
        "evidence": "lender_page_text",
        "confidence": 0.7,
        "source": "lender_site",
        "source_url": "https://c2financial.com/find-a-loan-officer/twaters/",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "va",
        "label": "VA loan",
        "evidence": "lender_page_text",
        "confidence": 0.7,
        "source": "lender_site",
        "source_url": "https://c2financial.com/find-a-loan-officer/twaters/",
        "verified_at": "2026-10-09"
      }
    ],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "19",
        "source": "lender_site",
        "source_url": "https://c2financial.com/find-a-loan-officer/twaters/",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "service_area",
        "value": "Hawaii",
        "source": "lender_site",
        "source_url": "https://c2financial.com/find-a-loan-officer/twaters/",
        "verified_at": "2026-10-09"
      }
    ],
    "last_verified_at": "2026-10-09",
    "updated_at": "2026-10-10 10:06:27.863089+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/tanny-waters-892213#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://c2financial.com/find-a-loan-officer/twaters/",
      "verified_at": "2026-10-09"
    },
    "licensed_since": {
      "year": 2024,
      "state": "CO"
    },
    "federal_registration": null
  }
}