{
  "canonical_url": "https://lendb.ai/lo/giorgio-fernandes-233959",
  "lede": {
    "text": "Based in Staten Island, New York, Giorgio Fernandes (NMLS 233959) is a Loan Officer at think one mortgage inc, licensed in Maryland. Giorgio works at an FHA-approved lender, per HUD.",
    "fields": [
      "full_name",
      "nmls_id",
      "title",
      "current_employment",
      "licenses",
      "employer_program_approvals"
    ]
  },
  "quick_answers": [
    {
      "q": "Is Giorgio licensed in Maryland?",
      "a": "Yes. Maryland regulator records list a license as active (verified 2026-10-26). LenDb has 2 other states on file for Giorgio.",
      "fields": [
        "licenses"
      ],
      "source": "Maryland state regulator",
      "source_url": "https://www.labor.maryland.gov/finance/",
      "verified_at": "2026-10-26"
    },
    {
      "q": "What lender does Giorgio work for, and is it FHA-approved?",
      "a": "think one mortgage inc, company NMLS 125182, from the Staten Island, NY office, per the lender's own site (verified 2026-10-15). Works at an FHA-approved lender, per HUD (HUD FHA data, loans endorsed through Aug 2026).",
      "fields": [
        "current_employment",
        "employer_program_approvals"
      ],
      "source": "lender site; HUD",
      "source_url": "https://thinkmtg.com/lo-giorgio-fernandes/",
      "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": 233959,
    "slug": "giorgio-fernandes-233959",
    "canonical_url": "https://lendb.ai/lo/giorgio-fernandes-233959",
    "md_url": "https://lendb.ai/lo/giorgio-fernandes-233959.md",
    "json_url": "https://lendb.ai/lo/giorgio-fernandes-233959.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/233959",
    "full_name": {
      "value": "Giorgio Fernandes",
      "source": "lender_site",
      "source_url": "https://thinkmtg.com/lo-giorgio-fernandes/",
      "verified_at": "2026-10-15"
    },
    "first_name": "Giorgio",
    "last_name": "Fernandes",
    "licensed_names": [
      {
        "name": "Giorgio Fernandes",
        "name_with_middle_initial": "Giorgio T. Fernandes",
        "first_name": "Giorgio",
        "middle_initial": "T",
        "last_name": "Fernandes",
        "states": [
          "MD"
        ],
        "source": "state_regulator",
        "as_of": "2026-10-26"
      }
    ],
    "headshot_url": {
      "value": "https://thinkmtg.com/wp-content/uploads/2026/10/gfernandes-headshot-3.png",
      "source": "lender_site",
      "source_url": "https://thinkmtg.com/lo-giorgio-fernandes/",
      "verified_at": "2026-10-15"
    },
    "bio": null,
    "title": {
      "value": "Loan Officer",
      "source": "lender_site",
      "source_url": "https://thinkmtg.com/lo-giorgio-fernandes/",
      "verified_at": "2026-10-15"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://thinkmtg.com/lo-giorgio-fernandes/",
      "verified_at": "2026-10-15"
    },
    "years_licensed": null,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 70,
    "current_employment": {
      "lender_nmls_id": 125182,
      "lender_name": "think one mortgage inc",
      "lender_slug": "think-one-mortgage-inc-125182",
      "branch_city": "Staten Island",
      "branch_state": "NY",
      "branch_zip": "10305",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://thinkmtg.com/lo-giorgio-fernandes/",
      "lender_type": "imb",
      "source": "lender_site",
      "source_url": "https://thinkmtg.com/lo-giorgio-fernandes/",
      "verified_at": "2026-10-15"
    },
    "employment_history": [
      {
        "lender_nmls_id": 125182,
        "lender_name": "think one mortgage inc",
        "lender_slug": "think-one-mortgage-inc-125182",
        "branch_city": "Staten Island",
        "branch_state": "NY",
        "branch_zip": "10305",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://thinkmtg.com/lo-giorgio-fernandes/",
        "lender_type": "imb",
        "source": "lender_site",
        "source_url": "https://thinkmtg.com/lo-giorgio-fernandes/",
        "verified_at": "2026-10-15"
      }
    ],
    "licenses": [
      {
        "state": "DC",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://thinkmtg.com/lo-giorgio-fernandes/",
        "verified_at": "2026-10-15",
        "confidence": "lender_reported"
      },
      {
        "state": "MD",
        "license_type": "state_license",
        "license_number": null,
        "status": "active",
        "issued_at": null,
        "source": "state_regulator",
        "source_url": "https://www.labor.maryland.gov/finance/",
        "verified_at": "2026-10-26",
        "confidence": "confirmed",
        "regulator": "md"
      },
      {
        "state": "VA",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://thinkmtg.com/lo-giorgio-fernandes/",
        "verified_at": "2026-10-15",
        "confidence": "lender_reported"
      }
    ],
    "specialties": [],
    "lender_offers": [],
    "employer_program_approvals": [
      {
        "program": "fha",
        "source": "HUD",
        "as_of": "2026-08",
        "source_url": "https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot"
      }
    ],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [],
    "last_verified_at": "2026-10-26",
    "updated_at": "2026-10-26 20:25:00.137651+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/giorgio-fernandes-233959#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://thinkmtg.com/lo-giorgio-fernandes/",
      "verified_at": "2026-10-15"
    },
    "earliest_license_record": null,
    "licensed_since": null,
    "federal_registration": null
  }
}