{
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    "md_url": "https://lendb.ai/lo/ethan-baeza-2245886.md",
    "json_url": "https://lendb.ai/lo/ethan-baeza-2245886.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2245886",
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      "verified_at": "2026-10-09"
    },
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      "source_url": "https://www.cardinalfinancial.com/loan-originator/ethan-baeza/",
      "verified_at": "2026-10-09"
    },
    "title": {
      "value": "Loan Originator",
      "source": "lender_site",
      "source_url": "https://www.cardinalfinancial.com/loan-originator/ethan-baeza/",
      "verified_at": "2026-10-09"
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      "source": "lender_site",
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      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://www.cardinalfinancial.com/loan-originator/ethan-baeza/",
      "lender_type": "imb",
      "source": "lender_site",
      "source_url": "https://www.cardinalfinancial.com/loan-originator/ethan-baeza/",
      "verified_at": "2026-10-09"
    },
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        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://www.cardinalfinancial.com/loan-originator/ethan-baeza/",
        "lender_type": "imb",
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        "source_url": "https://www.cardinalfinancial.com/loan-originator/ethan-baeza/",
        "verified_at": "2026-10-09"
      }
    ],
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        "verified_at": "2026-10-10",
        "confidence": "confirmed"
      }
    ],
    "specialties": [],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
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        "source_url": "https://www.cardinalfinancial.com/loan-originator/ethan-baeza/",
        "verified_at": "2026-10-09"
      },
      {
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        "verified_at": "2026-10-09"
      },
      {
        "kind": "credential",
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        "source": "lender_site",
        "source_url": "https://www.cardinalfinancial.com/loan-originator/ethan-baeza/",
        "verified_at": "2026-10-09"
      }
    ],
    "last_verified_at": "2026-10-09",
    "updated_at": "2026-10-10 00:22:56.33261+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/ethan-baeza-2245886#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://www.cardinalfinancial.com/loan-originator/ethan-baeza/",
      "verified_at": "2026-10-09"
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}