{
  "canonical_url": "https://lendb.ai/lo/andy-garcia-851891",
  "loan_officer": {
    "nmls_id": 851891,
    "slug": "andy-garcia-851891",
    "canonical_url": "https://lendb.ai/lo/andy-garcia-851891",
    "md_url": "https://lendb.ai/lo/andy-garcia-851891.md",
    "json_url": "https://lendb.ai/lo/andy-garcia-851891.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/851891",
    "full_name": {
      "value": "Andy Garcia",
      "source": "lender_site",
      "source_url": "https://townebankmortgage.com/officers/andy-garcia/",
      "verified_at": "2026-10-09"
    },
    "first_name": "Andy",
    "last_name": "Garcia",
    "headshot_url": {
      "value": "https://townebankmortgage.com/getattachment/4556443e-4049-4dac-965a-ba5708e506ce/Andy-Garcia_TowneBank-Mortgage.jpg?lang=en-US&ext=.jpg",
      "source": "lender_site",
      "source_url": "https://townebankmortgage.com/officers/andy-garcia/",
      "verified_at": "2026-10-09"
    },
    "bio": {
      "value": "Andy has over 15 years of banking experience spanning retail and small business lending. He specializes in conventional loans, first-time homebuyer programs, ITIN mortgages, debt consolidation, and assistance for self-employed individuals and young professionals.",
      "source": "lender_site",
      "source_url": "https://townebankmortgage.com/officers/andy-garcia/",
      "verified_at": "2026-10-09"
    },
    "title": {
      "value": "Mortgage Loan Officer",
      "source": "lender_site",
      "source_url": "https://townebankmortgage.com/officers/andy-garcia/",
      "verified_at": "2026-10-09"
    },
    "languages": {
      "value": [
        "es"
      ],
      "source": "lender_site",
      "source_url": "https://townebankmortgage.com/officers/andy-garcia/",
      "verified_at": "2026-10-09"
    },
    "years_licensed": null,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 85,
    "current_employment": {
      "lender_nmls_id": 512138,
      "lender_name": "TowneBank Mortgage",
      "lender_slug": "townebank-mortgage-512138",
      "branch_city": "Charlotte",
      "branch_state": "NC",
      "branch_zip": "28277",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://townebankmortgage.com/officers/andy-garcia/",
      "lender_type": "bank",
      "source": "lender_site",
      "source_url": "https://townebankmortgage.com/officers/andy-garcia/",
      "verified_at": "2026-10-09"
    },
    "employment_history": [
      {
        "lender_nmls_id": 512138,
        "lender_name": "TowneBank Mortgage",
        "lender_slug": "townebank-mortgage-512138",
        "branch_city": "Charlotte",
        "branch_state": "NC",
        "branch_zip": "28277",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://townebankmortgage.com/officers/andy-garcia/",
        "lender_type": "bank",
        "source": "lender_site",
        "source_url": "https://townebankmortgage.com/officers/andy-garcia/",
        "verified_at": "2026-10-09"
      }
    ],
    "licenses": [],
    "specialties": [],
    "contacts": [
      {
        "kind": "linkedin_url",
        "value": "https://www.linkedin.com/in/andy-garcia-502b00166/",
        "source": "lender_site",
        "source_url": "https://townebankmortgage.com/officers/andy-garcia/",
        "verified_at": "2026-10-09"
      }
    ],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "over 15",
        "source": "lender_site",
        "source_url": "https://townebankmortgage.com/officers/andy-garcia/",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "service_area",
        "value": "Charlotte, North Carolina region",
        "source": "lender_site",
        "source_url": "https://townebankmortgage.com/officers/andy-garcia/",
        "verified_at": "2026-10-09"
      }
    ],
    "last_verified_at": "2026-10-09",
    "updated_at": "2026-10-10 06:56:19.922633+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/andy-garcia-851891#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://townebankmortgage.com/officers/andy-garcia/",
      "verified_at": "2026-10-09"
    },
    "licensed_since": null,
    "federal_registration": {
      "status": "likely",
      "basis": "employer_type",
      "employer_type": "bank",
      "note": "Federally registered MLOs aren't state-licensed; verify at NMLS"
    }
  }
}