{
  "canonical_url": "https://lendb.ai/lo/caroline-garcia-oronoz-2137864",
  "loan_officer": {
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    "canonical_url": "https://lendb.ai/lo/caroline-garcia-oronoz-2137864",
    "md_url": "https://lendb.ai/lo/caroline-garcia-oronoz-2137864.md",
    "json_url": "https://lendb.ai/lo/caroline-garcia-oronoz-2137864.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2137864",
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      "source_url": "https://crosscountrymortgage.com/destin-fl-3685/caroline-garcia-oronoz/",
      "verified_at": "2026-10-09"
    },
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      "verified_at": "2026-10-09"
    },
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      "source_url": "https://crosscountrymortgage.com/destin-fl-3685/caroline-garcia-oronoz/",
      "verified_at": "2026-10-09"
    },
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      "value": "Team Lead",
      "source": "lender_site",
      "source_url": "https://crosscountrymortgage.com/destin-fl-3685/caroline-garcia-oronoz/",
      "verified_at": "2026-10-09"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://crosscountrymortgage.com/destin-fl-3685/caroline-garcia-oronoz/",
      "verified_at": "2026-10-09"
    },
    "years_licensed": null,
    "years_experience": {
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      "source": "lender_site",
      "source_url": "https://crosscountrymortgage.com/destin-fl-3685/caroline-garcia-oronoz/",
      "verified_at": "2026-10-09"
    },
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 95,
    "current_employment": {
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      "lender_name": "CrossCountry Mortgage",
      "lender_slug": "crosscountry-mortgage-3029",
      "branch_city": "Destin",
      "branch_state": "FL",
      "branch_zip": "32541",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://crosscountrymortgage.com/destin-fl-3685/caroline-garcia-oronoz/",
      "lender_type": "imb",
      "source": "lender_site",
      "source_url": "https://crosscountrymortgage.com/destin-fl-3685/caroline-garcia-oronoz/",
      "verified_at": "2026-10-09"
    },
    "employment_history": [
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        "lender_slug": "crosscountry-mortgage-3029",
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        "branch_state": "FL",
        "branch_zip": "32541",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://crosscountrymortgage.com/destin-fl-3685/caroline-garcia-oronoz/",
        "lender_type": "imb",
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/destin-fl-3685/caroline-garcia-oronoz/",
        "verified_at": "2026-10-09"
      }
    ],
    "licenses": [
      {
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        "license_type": "state_license",
        "license_number": "LO121299",
        "status": "active",
        "issued_at": "2023-07-06",
        "source": "state_regulator",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip",
        "verified_at": "2026-10-09",
        "confidence": "confirmed"
      },
      {
        "state": "GA",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/destin-fl-3685/caroline-garcia-oronoz/",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      },
      {
        "state": "PA",
        "license_type": "state_license",
        "license_number": "105201",
        "status": "active",
        "issued_at": null,
        "source": "state_regulator",
        "source_url": "https://data.pa.gov/d/tyxc-jyug",
        "verified_at": "2026-10-10",
        "confidence": "confirmed"
      }
    ],
    "specialties": [
      {
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        "label": "Condo",
        "evidence": "lender_page_text",
        "confidence": 0.7,
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/destin-fl-3685/caroline-garcia-oronoz/",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "jumbo",
        "label": "Jumbo loan",
        "evidence": "lender_page_text",
        "confidence": 0.7,
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/destin-fl-3685/caroline-garcia-oronoz/",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "non-qm",
        "label": "Non-QM loan",
        "evidence": "lender_page_text",
        "confidence": 0.7,
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/destin-fl-3685/caroline-garcia-oronoz/",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "investor",
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        "evidence": "lender_page_text",
        "confidence": 0.7,
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/destin-fl-3685/caroline-garcia-oronoz/",
        "verified_at": "2026-10-09"
      }
    ],
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      {
        "kind": "linkedin_url",
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        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/destin-fl-3685/caroline-garcia-oronoz/",
        "verified_at": "2026-10-09"
      }
    ],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "5",
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/destin-fl-3685/caroline-garcia-oronoz/",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "community",
        "value": "Advocate for increasing homeownership in minority communities",
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/destin-fl-3685/caroline-garcia-oronoz/",
        "verified_at": "2026-10-09"
      }
    ],
    "last_verified_at": "2026-10-09",
    "updated_at": "2026-10-09 21:34:07.375377+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/caroline-garcia-oronoz-2137864#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://crosscountrymortgage.com/destin-fl-3685/caroline-garcia-oronoz/",
      "verified_at": "2026-10-09"
    },
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    },
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    },
    "federal_registration": null
  }
}