{
  "canonical_url": "https://lendb.ai/lo/deborah-allred-santiago-894630",
  "loan_officer": {
    "nmls_id": 894630,
    "slug": "deborah-allred-santiago-894630",
    "canonical_url": "https://lendb.ai/lo/deborah-allred-santiago-894630",
    "md_url": "https://lendb.ai/lo/deborah-allred-santiago-894630.md",
    "json_url": "https://lendb.ai/lo/deborah-allred-santiago-894630.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/894630",
    "full_name": {
      "value": "Deborah Allred Santiago",
      "source": "lender_site",
      "source_url": "https://www.uhm.com/loan-officers/deborah-allred-santiago/",
      "verified_at": "2026-10-09"
    },
    "first_name": "Deborah",
    "last_name": "Allred Santiago",
    "headshot_url": {
      "value": "https://www.uhm.com/media/1853/dallred_headshot_january2020_small.jpg",
      "source": "lender_site",
      "source_url": "https://www.uhm.com/loan-officers/deborah-allred-santiago/",
      "verified_at": "2026-10-09"
    },
    "bio": {
      "value": "Deborah has been in banking and mortgage lending since 1996 with awards including President's Club and Top Producing Awards. She originates loans in Kentucky and Indiana counties with emphasis on first-time homebuyers, self-employed borrowers, and various property types including reverse mortgages.",
      "source": "lender_site",
      "source_url": "https://www.uhm.com/loan-officers/deborah-allred-santiago/",
      "verified_at": "2026-10-09"
    },
    "title": {
      "value": "Branch Manager",
      "source": "lender_site",
      "source_url": "https://www.uhm.com/loan-officers/deborah-allred-santiago/",
      "verified_at": "2026-10-09"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://www.uhm.com/loan-officers/deborah-allred-santiago/",
      "verified_at": "2026-10-09"
    },
    "years_licensed": null,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 95,
    "current_employment": {
      "lender_nmls_id": 2229,
      "lender_name": "Union Home Mortgage",
      "lender_slug": "union-home-mortgage-2229",
      "branch_city": "Lexington",
      "branch_state": "KY",
      "branch_zip": "40509",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://www.uhm.com/loan-officers/deborah-allred-santiago/",
      "lender_type": "imb",
      "source": "lender_site",
      "source_url": "https://www.uhm.com/loan-officers/deborah-allred-santiago/",
      "verified_at": "2026-10-09"
    },
    "employment_history": [
      {
        "lender_nmls_id": 2229,
        "lender_name": "Union Home Mortgage",
        "lender_slug": "union-home-mortgage-2229",
        "branch_city": "Lexington",
        "branch_state": "KY",
        "branch_zip": "40509",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://www.uhm.com/loan-officers/deborah-allred-santiago/",
        "lender_type": "imb",
        "source": "lender_site",
        "source_url": "https://www.uhm.com/loan-officers/deborah-allred-santiago/",
        "verified_at": "2026-10-09"
      }
    ],
    "licenses": [
      {
        "state": "IN",
        "license_type": "state_license",
        "license_number": "44151",
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.uhm.com/loan-officers/deborah-allred-santiago/",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      },
      {
        "state": "KY",
        "license_type": "state_license",
        "license_number": "MC713835",
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.uhm.com/loan-officers/deborah-allred-santiago/",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      }
    ],
    "specialties": [
      {
        "slug": "condo",
        "label": "Condo",
        "evidence": "lender_page_text",
        "confidence": 0.7,
        "source": "lender_site",
        "source_url": "https://www.uhm.com/loan-officers/deborah-allred-santiago/",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "construction",
        "label": "Construction loan",
        "evidence": "lender_page_text",
        "confidence": 0.7,
        "source": "lender_site",
        "source_url": "https://www.uhm.com/loan-officers/deborah-allred-santiago/",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "manufactured",
        "label": "Manufactured home",
        "evidence": "lender_page_text",
        "confidence": 0.7,
        "source": "lender_site",
        "source_url": "https://www.uhm.com/loan-officers/deborah-allred-santiago/",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "renovation",
        "label": "Renovation loan (203k / HomeStyle)",
        "evidence": "lender_page_text",
        "confidence": 0.7,
        "source": "lender_site",
        "source_url": "https://www.uhm.com/loan-officers/deborah-allred-santiago/",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "vacation-home",
        "label": "Vacation home",
        "evidence": "lender_page_text",
        "confidence": 0.7,
        "source": "lender_site",
        "source_url": "https://www.uhm.com/loan-officers/deborah-allred-santiago/",
        "verified_at": "2026-10-09"
      }
    ],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "since 1996",
        "source": "lender_site",
        "source_url": "https://www.uhm.com/loan-officers/deborah-allred-santiago/",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "credential",
        "value": "President's Club, Sales Manager, and Top Producing Awards",
        "source": "lender_site",
        "source_url": "https://www.uhm.com/loan-officers/deborah-allred-santiago/",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "service_area",
        "value": "Kentucky: Carroll, Cumberland, Jefferson, Oldham, Shelby, Spencer and Trimble Counties; Indiana: Clark, Floyd, Harrison, Jefferson, Scott, and Washington counties",
        "source": "lender_site",
        "source_url": "https://www.uhm.com/loan-officers/deborah-allred-santiago/",
        "verified_at": "2026-10-09"
      }
    ],
    "last_verified_at": "2026-10-09",
    "updated_at": "2026-10-10 02:15:14.990532+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/deborah-allred-santiago-894630#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.uhm.com/loan-officers/deborah-allred-santiago/",
      "verified_at": "2026-10-09"
    },
    "licensed_since": null,
    "federal_registration": null
  }
}