{
  "canonical_url": "https://lendb.ai/lo/daniel-cruz-1851416",
  "lede": {
    "text": "Daniel Cruz (NMLS 1851416) is a Mortgage Loan Officer at Bell Bank in Brentwood, Tennessee, licensed in Florida since 2021.",
    "fields": [
      "full_name",
      "nmls_id",
      "title",
      "current_employment",
      "licenses",
      "earliest_license_record"
    ]
  },
  "quick_answers": [
    {
      "q": "Is Daniel licensed in Florida?",
      "a": "Yes. Florida regulator records list license LO96843 as active, first effective November 2, 2021 (verified 2026-10-15).",
      "fields": [
        "licenses"
      ],
      "source": "Florida state regulator",
      "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip",
      "verified_at": "2026-10-15"
    },
    {
      "q": "What lender does Daniel work for?",
      "a": "Bell Bank, company NMLS 419538, from the Brentwood, TN office, per the lender's own site (verified 2026-10-16).",
      "fields": [
        "current_employment"
      ],
      "source": "lender site",
      "source_url": "https://bell.bank/mortgage/loan-officer/danielcruzhousingadvisor",
      "verified_at": "2026-10-16"
    },
    {
      "q": "How long has Daniel been licensed?",
      "a": "The earliest state license record LenDb holds for Daniel is from November 2, 2021 (Florida regulator). That is a record date from the rosters we hold, not proof of continuous licensure.",
      "fields": [
        "earliest_license_record"
      ],
      "source": "Florida state regulator",
      "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip",
      "verified_at": "2026-10-15"
    }
  ],
  "field_notes": {
    "languages": "Languages come only from the loan officer's own lender page, and most lender pages do not list languages. A language that is not listed means not stated, not that the loan officer does not speak it."
  },
  "loan_officer": {
    "nmls_id": 1851416,
    "slug": "daniel-cruz-1851416",
    "canonical_url": "https://lendb.ai/lo/daniel-cruz-1851416",
    "md_url": "https://lendb.ai/lo/daniel-cruz-1851416.md",
    "json_url": "https://lendb.ai/lo/daniel-cruz-1851416.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1851416",
    "full_name": {
      "value": "Daniel Cruz",
      "source": "lender_site",
      "source_url": "https://bell.bank/mortgage/loan-officer/danielcruzhousingadvisor",
      "verified_at": "2026-10-16"
    },
    "first_name": "Daniel",
    "last_name": "Cruz",
    "headshot_url": {
      "value": "https://edge.sitecorecloud.io/bellbank1e14e-bellbankab0c-prod3ddb-d33b/media/project/bellbank/bellbankcorporate/mortgage/lender-sites/loan-officers/daniel-cruz/os-182-mor26_web_daniel_cruz_profile-images.png?h=108&iar=0&w=108",
      "source": "lender_site",
      "source_url": "https://bell.bank/mortgage/loan-officer/danielcruzhousingadvisor",
      "verified_at": "2026-10-16"
    },
    "bio": {
      "value": "Daniel Cruz is a Mortgage Loan Officer in Brentwood, TN. Originally from St. Petersburg, FL, they have lived in Middle Tennessee for more than 13 years. They have two sons.",
      "source": "lender_site",
      "source_url": "https://bell.bank/mortgage/loan-officer/danielcruzhousingadvisor",
      "verified_at": "2026-10-16"
    },
    "title": {
      "value": "Mortgage Loan Officer",
      "source": "lender_site",
      "source_url": "https://bell.bank/mortgage/loan-officer/danielcruzhousingadvisor",
      "verified_at": "2026-10-16"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://bell.bank/mortgage/loan-officer/danielcruzhousingadvisor",
      "verified_at": "2026-10-16"
    },
    "years_licensed": null,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 80,
    "current_employment": {
      "lender_nmls_id": 419538,
      "lender_name": "Bell Bank",
      "lender_slug": "bell-bank-419538",
      "branch_city": "Brentwood",
      "branch_state": "TN",
      "branch_zip": "37027",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://bell.bank/mortgage/loan-officer/danielcruzhousingadvisor",
      "lender_type": "bank",
      "source": "lender_site",
      "source_url": "https://bell.bank/mortgage/loan-officer/danielcruzhousingadvisor",
      "verified_at": "2026-10-16"
    },
    "employment_history": [
      {
        "lender_nmls_id": 419538,
        "lender_name": "Bell Bank",
        "lender_slug": "bell-bank-419538",
        "branch_city": "Brentwood",
        "branch_state": "TN",
        "branch_zip": "37027",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://bell.bank/mortgage/loan-officer/danielcruzhousingadvisor",
        "lender_type": "bank",
        "source": "lender_site",
        "source_url": "https://bell.bank/mortgage/loan-officer/danielcruzhousingadvisor",
        "verified_at": "2026-10-16"
      }
    ],
    "licenses": [
      {
        "state": "FL",
        "license_type": "state_license",
        "license_number": "LO96843",
        "status": "active",
        "issued_at": "2021-11-02",
        "source": "state_regulator",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip",
        "verified_at": "2026-10-15",
        "confidence": "confirmed",
        "regulator": "fl"
      }
    ],
    "specialties": [],
    "lender_offers": [],
    "contacts": [
      {
        "kind": "linkedin_url",
        "value": "http://www.linkedin.com/in/danielcruzcruzincorporated",
        "source": "lender_site",
        "source_url": "https://bell.bank/mortgage/loan-officer/danielcruzhousingadvisor",
        "verified_at": "2026-10-16"
      }
    ],
    "disciplinary_actions": [],
    "media": [],
    "facts": [],
    "last_verified_at": "2026-10-16",
    "updated_at": "2026-10-16 08:08:52.282077+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/daniel-cruz-1851416#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://bell.bank/mortgage/loan-officer/danielcruzhousingadvisor",
      "verified_at": "2026-10-16"
    },
    "earliest_license_record": {
      "date": "2021-11-02",
      "state": "FL"
    },
    "licensed_since": {
      "year": 2021,
      "state": "FL"
    },
    "federal_registration": {
      "status": "likely",
      "basis": "employer_type",
      "employer_type": "bank",
      "note": "Federally registered MLOs aren't state-licensed; verify at NMLS"
    }
  }
}