{
  "canonical_url": "https://lendb.ai/lo/hermes-melo-1982179",
  "loan_officer": {
    "nmls_id": 1982179,
    "slug": "hermes-melo-1982179",
    "canonical_url": "https://lendb.ai/lo/hermes-melo-1982179",
    "md_url": "https://lendb.ai/lo/hermes-melo-1982179.md",
    "json_url": "https://lendb.ai/lo/hermes-melo-1982179.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1982179",
    "full_name": {
      "value": "Santiago Melo",
      "source": "lender_site",
      "source_url": "https://www.fairway.com/lo/santiago-melo-1982179",
      "verified_at": "2026-10-09"
    },
    "first_name": "Santiago",
    "last_name": "Melo",
    "headshot_url": {
      "value": "https://img.fairway.com/images/head_shot/santiago-melo-1982179.png?fwy_Id=bb54a6d3-6327-4498-90f1-84b1a44d4760",
      "source": "lender_site",
      "source_url": "https://www.fairway.com/lo/santiago-melo-1982179",
      "verified_at": "2026-10-09"
    },
    "bio": {
      "value": "Santiago has 25+ years of mortgage lending and real estate experience, helping thousands buy homes and investment properties. He specializes in first-time buyers, self-employed, renovation, jumbo, and HELOC programs.",
      "source": "lender_site",
      "source_url": "https://www.fairway.com/lo/santiago-melo-1982179",
      "verified_at": "2026-10-09"
    },
    "title": {
      "value": "Mortgage Advisor",
      "source": "lender_site",
      "source_url": "https://www.fairway.com/lo/santiago-melo-1982179",
      "verified_at": "2026-10-09"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://www.fairway.com/lo/santiago-melo-1982179",
      "verified_at": "2026-10-09"
    },
    "years_licensed": 3,
    "years_experience": {
      "value": 25,
      "source": "lender_site",
      "source_url": "https://www.fairway.com/lo/santiago-melo-1982179",
      "verified_at": "2026-10-09"
    },
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 95,
    "current_employment": {
      "lender_nmls_id": 2289,
      "lender_name": "Fairway Independent Mortgage Corporation",
      "lender_slug": "fairway-independent-mortgage-2289",
      "branch_city": "Oak Brook",
      "branch_state": "IL",
      "branch_zip": "60523",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://www.fairway.com/lo/santiago-melo-1982179",
      "lender_type": "imb",
      "source": "lender_site",
      "source_url": "https://www.fairway.com/lo/santiago-melo-1982179",
      "verified_at": "2026-10-09"
    },
    "employment_history": [
      {
        "lender_nmls_id": 2289,
        "lender_name": "Fairway Independent Mortgage Corporation",
        "lender_slug": "fairway-independent-mortgage-2289",
        "branch_city": "Oak Brook",
        "branch_state": "IL",
        "branch_zip": "60523",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://www.fairway.com/lo/santiago-melo-1982179",
        "lender_type": "imb",
        "source": "lender_site",
        "source_url": "https://www.fairway.com/lo/santiago-melo-1982179",
        "verified_at": "2026-10-09"
      }
    ],
    "licenses": [
      {
        "state": "FL",
        "license_type": "state_license",
        "license_number": "LO117901",
        "status": "active",
        "issued_at": "2023-03-02",
        "source": "state_regulator",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip",
        "verified_at": "2026-10-09",
        "confidence": "confirmed"
      },
      {
        "state": "IN",
        "license_type": "state_license",
        "license_number": "62906",
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.fairway.com/lo/santiago-melo-1982179",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      },
      {
        "state": "KY",
        "license_type": "state_license",
        "license_number": "MC940280",
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.fairway.com/lo/santiago-melo-1982179",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      },
      {
        "state": "WI",
        "license_type": "state_license",
        "license_number": "1982179",
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.fairway.com/lo/santiago-melo-1982179",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      }
    ],
    "specialties": [
      {
        "slug": "first-time-buyer",
        "label": "First-time buyer",
        "evidence": "lender_page_text",
        "confidence": 0.9,
        "source": "lender_site",
        "source_url": "https://www.fairway.com/lo/santiago-melo-1982179",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "investor",
        "label": "Real estate investor",
        "evidence": "lender_page_text",
        "confidence": 0.85,
        "source": "lender_site",
        "source_url": "https://www.fairway.com/lo/santiago-melo-1982179",
        "verified_at": "2026-10-09"
      }
    ],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "25",
        "source": "lender_site",
        "source_url": "https://www.fairway.com/lo/santiago-melo-1982179",
        "verified_at": "2026-10-09"
      }
    ],
    "last_verified_at": "2026-10-09",
    "updated_at": "2026-10-10 00:09:22.452538+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/hermes-melo-1982179#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.fairway.com/lo/santiago-melo-1982179",
      "verified_at": "2026-10-09"
    },
    "licensed_since": {
      "year": 2023,
      "state": "FL"
    },
    "federal_registration": null
  }
}