{
  "canonical_url": "https://lendb.ai/lo/daniela-martinez-hernandez-2820323",
  "lede": {
    "text": "Daniela Hernandez (NMLS 2820323) is an Executive Loan Officer at INDEPENDENCE HOME LOANS LLC, licensed in Oregon since 2026 and in Florida, Louisiana and California. Daniela speaks English and Spanish.",
    "fields": [
      "full_name",
      "nmls_id",
      "title",
      "current_employment",
      "licenses",
      "earliest_license_record",
      "languages"
    ]
  },
  "quick_answers": [
    {
      "q": "Is Daniela licensed in Florida?",
      "a": "Yes. Florida regulator records list license LO150241 as active, first effective August 11, 2026 (verified 2026-10-15). LenDb has 3 other states on file for Daniela.",
      "fields": [
        "licenses"
      ],
      "source": "Florida state regulator",
      "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip",
      "verified_at": "2026-10-15"
    },
    {
      "q": "What lender does Daniela work for?",
      "a": "INDEPENDENCE HOME LOANS LLC, company NMLS 2524174, per the lender's own site (verified 2026-10-15).",
      "fields": [
        "current_employment"
      ],
      "source": "lender site",
      "source_url": "https://independencehl.com/daniela-hernandez/",
      "verified_at": "2026-10-15"
    },
    {
      "q": "What languages does Daniela speak?",
      "a": "English and Spanish, per their lender page (verified 2026-10-15).",
      "fields": [
        "languages"
      ],
      "source": "lender page",
      "source_url": "https://independencehl.com/daniela-hernandez/",
      "verified_at": "2026-10-15"
    },
    {
      "q": "How long has Daniela been licensed?",
      "a": "The earliest state license record LenDb holds for Daniela is from April 14, 2026 (Oregon regulator). That is a record date from the rosters we hold, not proof of continuous licensure.",
      "fields": [
        "earliest_license_record"
      ],
      "source": "Oregon state regulator",
      "source_url": "https://dfr.oregon.gov/",
      "verified_at": "2026-10-20"
    }
  ],
  "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": 2820323,
    "slug": "daniela-martinez-hernandez-2820323",
    "canonical_url": "https://lendb.ai/lo/daniela-martinez-hernandez-2820323",
    "md_url": "https://lendb.ai/lo/daniela-martinez-hernandez-2820323.md",
    "json_url": "https://lendb.ai/lo/daniela-martinez-hernandez-2820323.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2820323",
    "full_name": {
      "value": "Daniela Hernandez",
      "source": "lender_site",
      "source_url": "https://independencehl.com/daniela-hernandez/",
      "verified_at": "2026-10-15"
    },
    "first_name": "Daniela",
    "last_name": "Hernandez",
    "licensed_names": [
      {
        "name": "Daniela Hernandez",
        "name_with_middle_initial": "Daniela M. Hernandez",
        "first_name": "Daniela",
        "middle_initial": "M",
        "last_name": "Hernandez",
        "states": [
          "LA"
        ],
        "source": "state_regulator",
        "as_of": "2026-10-15"
      },
      {
        "name": "Daniela Martinez Hernandez",
        "name_with_middle_initial": null,
        "first_name": "Daniela",
        "middle_initial": null,
        "last_name": "Martinez Hernandez",
        "states": [
          "CA",
          "FL",
          "OR"
        ],
        "source": "state_regulator",
        "as_of": "2026-10-22"
      }
    ],
    "headshot_url": {
      "value": "https://independencehl.com/wp-content/uploads/2026/04/DanielaHernandezWebsite-350x350.png",
      "source": "lender_site",
      "source_url": "https://independencehl.com/daniela-hernandez/",
      "verified_at": "2026-10-15"
    },
    "bio": null,
    "title": {
      "value": "Executive Loan Officer",
      "source": "lender_site",
      "source_url": "https://independencehl.com/daniela-hernandez/",
      "verified_at": "2026-10-15"
    },
    "languages": {
      "value": [
        "en",
        "es"
      ],
      "source": "lender_site",
      "source_url": "https://independencehl.com/daniela-hernandez/",
      "verified_at": "2026-10-15"
    },
    "years_licensed": null,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 60,
    "current_employment": {
      "lender_nmls_id": 2524174,
      "lender_name": "INDEPENDENCE HOME LOANS LLC",
      "lender_slug": "independence-home-loans-llc-2524174",
      "branch_city": null,
      "branch_state": null,
      "branch_zip": null,
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://independencehl.com/daniela-hernandez/",
      "lender_type": "imb",
      "source": "lender_site",
      "source_url": "https://independencehl.com/daniela-hernandez/",
      "verified_at": "2026-10-15"
    },
    "employment_history": [
      {
        "lender_nmls_id": 2524174,
        "lender_name": "INDEPENDENCE HOME LOANS LLC",
        "lender_slug": "independence-home-loans-llc-2524174",
        "branch_city": null,
        "branch_state": null,
        "branch_zip": null,
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://independencehl.com/daniela-hernandez/",
        "lender_type": "imb",
        "source": "lender_site",
        "source_url": "https://independencehl.com/daniela-hernandez/",
        "verified_at": "2026-10-15"
      }
    ],
    "licenses": [
      {
        "state": "FL",
        "license_type": "state_license",
        "license_number": "LO150241",
        "status": "active",
        "issued_at": "2026-08-11",
        "source": "state_regulator",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip",
        "verified_at": "2026-10-15",
        "confidence": "confirmed",
        "regulator": "fl"
      },
      {
        "state": "LA",
        "license_type": "state_license",
        "license_number": null,
        "status": "active",
        "issued_at": null,
        "source": "state_regulator",
        "source_url": "https://ofi.la.gov/non-depository/residential-mortgage-lending/originators-by-lender/",
        "verified_at": "2026-10-15",
        "confidence": "confirmed",
        "regulator": "la"
      },
      {
        "state": "OR",
        "license_type": "state_license",
        "license_number": null,
        "status": "active",
        "issued_at": "2026-04-14",
        "source": "state_regulator",
        "source_url": "https://dfr.oregon.gov/",
        "verified_at": "2026-10-20",
        "confidence": "confirmed",
        "regulator": "or"
      },
      {
        "state": "CA",
        "license_type": "state_license",
        "license_number": "CA-DFPI2820323",
        "status": "active",
        "issued_at": "2026-05-16",
        "source": "state_regulator",
        "source_url": "https://dfpi.ca.gov/",
        "verified_at": "2026-10-24",
        "confidence": "confirmed",
        "regulator": "ca_dfpi",
        "regulator_name": "California Department of Financial Protection and Innovation"
      }
    ],
    "specialties": [],
    "lender_offers": [],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "role",
        "value": "Real estate professional before mortgage lending",
        "source": "lender_site",
        "source_url": "https://independencehl.com/daniela-hernandez/",
        "verified_at": "2026-10-15"
      }
    ],
    "last_verified_at": "2026-10-24",
    "updated_at": "2026-10-24 19:28:56.294761+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/daniela-martinez-hernandez-2820323#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://independencehl.com/daniela-hernandez/",
      "verified_at": "2026-10-15"
    },
    "earliest_license_record": {
      "date": "2026-04-14",
      "state": "OR"
    },
    "licensed_since": {
      "year": 2026,
      "state": "OR"
    },
    "federal_registration": null
  }
}