{
  "canonical_url": "https://lendb.ai/lo/frank-flores-201990",
  "loan_officer": {
    "nmls_id": 201990,
    "slug": "frank-flores-201990",
    "canonical_url": "https://lendb.ai/lo/frank-flores-201990",
    "md_url": "https://lendb.ai/lo/frank-flores-201990.md",
    "json_url": "https://lendb.ai/lo/frank-flores-201990.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/201990",
    "full_name": {
      "value": "Frank Flores",
      "source": "lender_site",
      "source_url": "https://www.empirehomeloans.com/team/frank",
      "verified_at": "2026-10-09"
    },
    "first_name": "Frank",
    "last_name": "Flores",
    "headshot_url": {
      "value": "https://v5.airtableusercontent.com/v3/u/58/58/1791554400000/vncVygQXtNi0X-k5SpeFYQ/yD0hTN56QJVj1Snp8EzcfLK01_R8xdfvO9nQ_3DUjIAvow2so_wgWA-usT1WsHWmvjZeWFEQ-yI0kDYfjZGt_10mfbcCIthKk8jSEXAYMYhFE05mg3pA7a_la93xjpMfPPY7AlWGzJmbIz4Y3kAx-jeB6lPqVxOekuj49J3MHB8/LlrhAX6uJA-2WtaUhFBdD9MyW4gBdmFsSuF1hyn1jtQ",
      "source": "lender_site",
      "source_url": "https://www.empirehomeloans.com/team/frank",
      "verified_at": "2026-10-09"
    },
    "bio": {
      "value": "Frank Flores has helped many individuals and families achieve homeownership since 1999. He provides customized mortgage solutions and manages loan files from start to finish with continuous communication and honest advice.",
      "source": "lender_site",
      "source_url": "https://www.empirehomeloans.com/team/frank",
      "verified_at": "2026-10-09"
    },
    "title": {
      "value": "Loan Officer",
      "source": "lender_site",
      "source_url": "https://www.empirehomeloans.com/team/frank",
      "verified_at": "2026-10-09"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://www.empirehomeloans.com/team/frank",
      "verified_at": "2026-10-09"
    },
    "years_licensed": null,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 80,
    "current_employment": {
      "lender_nmls_id": 1839243,
      "lender_name": "Empire Home Loans",
      "lender_slug": "empire-home-loans-1839243",
      "branch_city": "Fair Oaks",
      "branch_state": "CA",
      "branch_zip": "95628",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://www.empirehomeloans.com/team/frank",
      "lender_type": "broker",
      "source": "lender_site",
      "source_url": "https://www.empirehomeloans.com/team/frank",
      "verified_at": "2026-10-09"
    },
    "employment_history": [
      {
        "lender_nmls_id": 1839243,
        "lender_name": "Empire Home Loans",
        "lender_slug": "empire-home-loans-1839243",
        "branch_city": "Fair Oaks",
        "branch_state": "CA",
        "branch_zip": "95628",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://www.empirehomeloans.com/team/frank",
        "lender_type": "broker",
        "source": "lender_site",
        "source_url": "https://www.empirehomeloans.com/team/frank",
        "verified_at": "2026-10-09"
      }
    ],
    "licenses": [],
    "specialties": [],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "since 1999",
        "source": "lender_site",
        "source_url": "https://www.empirehomeloans.com/team/frank",
        "verified_at": "2026-10-09"
      }
    ],
    "last_verified_at": "2026-10-09",
    "updated_at": "2026-10-10 10:01:58.187517+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/frank-flores-201990#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.empirehomeloans.com/team/frank",
      "verified_at": "2026-10-09"
    },
    "earliest_license_record": null,
    "licensed_since": null,
    "federal_registration": null
  }
}