{
  "canonical_url": "https://lendb.ai/lo/karla-melgar-186602",
  "loan_officer": {
    "nmls_id": 186602,
    "slug": "karla-melgar-186602",
    "canonical_url": "https://lendb.ai/lo/karla-melgar-186602",
    "md_url": "https://lendb.ai/lo/karla-melgar-186602.md",
    "json_url": "https://lendb.ai/lo/karla-melgar-186602.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/186602",
    "full_name": {
      "value": "Karla Melgar",
      "source": "lender_site",
      "source_url": "https://www.embracehomeloans.com/location/maryland/la-plata/karla-melgar",
      "verified_at": "2026-10-09"
    },
    "first_name": "Karla",
    "last_name": "Melgar",
    "headshot_url": {
      "value": "https://www.embracehomeloans.com/media/ez0fb34x/kmelgar_bio72.jpg",
      "source": "lender_site",
      "source_url": "https://www.embracehomeloans.com/location/maryland/la-plata/karla-melgar",
      "verified_at": "2026-10-09"
    },
    "bio": {
      "value": "Karla has over 52 years in mortgage banking and three decades specializing in VA and builder lending. She guides borrowers toward loan solutions tailored to their needs.",
      "source": "lender_site",
      "source_url": "https://www.embracehomeloans.com/location/maryland/la-plata/karla-melgar",
      "verified_at": "2026-10-09"
    },
    "title": {
      "value": "Senior Loan Officer",
      "source": "lender_site",
      "source_url": "https://www.embracehomeloans.com/location/maryland/la-plata/karla-melgar",
      "verified_at": "2026-10-09"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://www.embracehomeloans.com/location/maryland/la-plata/karla-melgar",
      "verified_at": "2026-10-09"
    },
    "years_licensed": null,
    "years_experience": {
      "value": 52,
      "source": "lender_site",
      "source_url": "https://www.embracehomeloans.com/location/maryland/la-plata/karla-melgar",
      "verified_at": "2026-10-09"
    },
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 95,
    "current_employment": {
      "lender_nmls_id": 2184,
      "lender_name": "Embrace Home Loans",
      "lender_slug": "embrace-home-loans-2184",
      "branch_city": "La Plata",
      "branch_state": "MD",
      "branch_zip": "20646",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://www.embracehomeloans.com/location/maryland/la-plata/karla-melgar",
      "lender_type": "imb",
      "source": "lender_site",
      "source_url": "https://www.embracehomeloans.com/location/maryland/la-plata/karla-melgar",
      "verified_at": "2026-10-09"
    },
    "employment_history": [
      {
        "lender_nmls_id": 2184,
        "lender_name": "Embrace Home Loans",
        "lender_slug": "embrace-home-loans-2184",
        "branch_city": "La Plata",
        "branch_state": "MD",
        "branch_zip": "20646",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://www.embracehomeloans.com/location/maryland/la-plata/karla-melgar",
        "lender_type": "imb",
        "source": "lender_site",
        "source_url": "https://www.embracehomeloans.com/location/maryland/la-plata/karla-melgar",
        "verified_at": "2026-10-09"
      }
    ],
    "licenses": [
      {
        "state": "DE",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.embracehomeloans.com/location/maryland/la-plata/karla-melgar",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      },
      {
        "state": "MD",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.embracehomeloans.com/location/maryland/la-plata/karla-melgar",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      },
      {
        "state": "VA",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.embracehomeloans.com/location/maryland/la-plata/karla-melgar",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      }
    ],
    "specialties": [
      {
        "slug": "new-construction",
        "label": "New construction",
        "evidence": "lender_page_text",
        "confidence": 0.9,
        "source": "lender_site",
        "source_url": "https://www.embracehomeloans.com/location/maryland/la-plata/karla-melgar",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "va",
        "label": "VA loan",
        "evidence": "lender_page_text",
        "confidence": 0.9,
        "source": "lender_site",
        "source_url": "https://www.embracehomeloans.com/location/maryland/la-plata/karla-melgar",
        "verified_at": "2026-10-09"
      }
    ],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "52",
        "source": "lender_site",
        "source_url": "https://www.embracehomeloans.com/location/maryland/la-plata/karla-melgar",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "role",
        "value": "Senior Loan Officer",
        "source": "lender_site",
        "source_url": "https://www.embracehomeloans.com/location/maryland/la-plata/karla-melgar",
        "verified_at": "2026-10-09"
      }
    ],
    "last_verified_at": "2026-10-09",
    "updated_at": "2026-10-09 09:00:07.044323+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/karla-melgar-186602#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.embracehomeloans.com/location/maryland/la-plata/karla-melgar",
      "verified_at": "2026-10-09"
    },
    "licensed_since": null,
    "federal_registration": null
  }
}