{
  "canonical_url": "https://lendb.ai/lo/denise-norwood-618316",
  "lede": {
    "text": "Based in Waco, Texas, Denise Norwood (NMLS 618316) is a Loan Officer at Granite Bank.",
    "fields": [
      "full_name",
      "nmls_id",
      "title",
      "current_employment"
    ]
  },
  "quick_answers": [
    {
      "q": "Is Denise licensed?",
      "a": "Denise works at a bank; bank loan officers register with NMLS federally instead of holding state licenses. Verify at NMLS Consumer Access.",
      "fields": [
        "federal_registration",
        "current_employment"
      ],
      "source": "employer type in LenDb's lender registry",
      "source_url": null,
      "verified_at": "2026-10-16"
    },
    {
      "q": "What lender does Denise work for?",
      "a": "Granite Bank, company NMLS 405434, from the Waco, TX office, per the lender's own site (verified 2026-10-16).",
      "fields": [
        "current_employment"
      ],
      "source": "lender site",
      "source_url": "https://granitebank.com/loan-officer/denisenorwood/",
      "verified_at": "2026-10-16"
    }
  ],
  "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": 618316,
    "slug": "denise-norwood-618316",
    "canonical_url": "https://lendb.ai/lo/denise-norwood-618316",
    "md_url": "https://lendb.ai/lo/denise-norwood-618316.md",
    "json_url": "https://lendb.ai/lo/denise-norwood-618316.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/618316",
    "full_name": {
      "value": "Denise Norwood",
      "source": "lender_site",
      "source_url": "https://granitebank.com/loan-officer/denisenorwood/",
      "verified_at": "2026-10-16"
    },
    "first_name": "Denise",
    "last_name": "Norwood",
    "headshot_url": {
      "value": "https://granitebank.com/wp-content/uploads/2025/12/Untitled-design-17-2-300x300.png",
      "source": "lender_site",
      "source_url": "https://granitebank.com/loan-officer/denisenorwood/",
      "verified_at": "2026-10-16"
    },
    "bio": {
      "value": "Denise Norwood is a Loan Officer and says they have over 10 years of experience in mortgage. They focus on providing clear, upfront guidance. They were born and raised in Waco and say they are proud to serve the community they call home.",
      "source": "lender_site",
      "source_url": "https://granitebank.com/loan-officer/denisenorwood/",
      "verified_at": "2026-10-16"
    },
    "title": {
      "value": "Loan Officer",
      "source": "lender_site",
      "source_url": "https://granitebank.com/loan-officer/denisenorwood/",
      "verified_at": "2026-10-16"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://granitebank.com/loan-officer/denisenorwood/",
      "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": 405434,
      "lender_name": "Granite Bank",
      "lender_slug": "granite-bank-405434",
      "branch_city": "Waco",
      "branch_state": "TX",
      "branch_zip": "76710",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://granitebank.com/loan-officer/denisenorwood/",
      "lender_type": "bank",
      "source": "lender_site",
      "source_url": "https://granitebank.com/loan-officer/denisenorwood/",
      "verified_at": "2026-10-16"
    },
    "employment_history": [
      {
        "lender_nmls_id": 405434,
        "lender_name": "Granite Bank",
        "lender_slug": "granite-bank-405434",
        "branch_city": "Waco",
        "branch_state": "TX",
        "branch_zip": "76710",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://granitebank.com/loan-officer/denisenorwood/",
        "lender_type": "bank",
        "source": "lender_site",
        "source_url": "https://granitebank.com/loan-officer/denisenorwood/",
        "verified_at": "2026-10-16"
      }
    ],
    "licenses": [],
    "specialties": [],
    "lender_offers": [],
    "contacts": [
      {
        "kind": "linkedin_url",
        "value": "https://www.linkedin.com/in/denise-norwood-720582127/",
        "source": "lender_site",
        "source_url": "https://granitebank.com/loan-officer/denisenorwood/",
        "verified_at": "2026-10-16"
      }
    ],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "over 10",
        "source": "lender_site",
        "source_url": "https://granitebank.com/loan-officer/denisenorwood/",
        "verified_at": "2026-10-16"
      },
      {
        "kind": "service_area",
        "value": "Waco",
        "source": "lender_site",
        "source_url": "https://granitebank.com/loan-officer/denisenorwood/",
        "verified_at": "2026-10-16"
      }
    ],
    "last_verified_at": "2026-10-16",
    "updated_at": "2026-10-16 07:10:53.058999+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/denise-norwood-618316#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://granitebank.com/loan-officer/denisenorwood/",
      "verified_at": "2026-10-16"
    },
    "earliest_license_record": null,
    "licensed_since": null,
    "federal_registration": {
      "status": "likely",
      "basis": "employer_type",
      "employer_type": "bank",
      "note": "Federally registered MLOs aren't state-licensed; verify at NMLS"
    }
  }
}