{
  "canonical_url": "https://lendb.ai/lo/kristina-donets-2414277",
  "lede": {
    "text": "Kristina Morales (NMLS 2414277) is a Mortgage Loan Officer at CME Lending Group LLC, serving Ohio. Kristina works at an FHA-approved lender, per HUD.",
    "fields": [
      "full_name",
      "nmls_id",
      "title",
      "current_employment",
      "licenses",
      "employer_program_approvals"
    ]
  },
  "quick_answers": [
    {
      "q": "Is Kristina licensed in Ohio?",
      "a": "CME Lending Group LLC's page for Kristina lists Ohio. LenDb has not checked it with the state regulator yet, so verify at NMLS Consumer Access.",
      "fields": [
        "licenses"
      ],
      "source": "lender page",
      "source_url": "https://themortgageexchange.com/team-member/kristina-morales/",
      "verified_at": "2026-10-15"
    },
    {
      "q": "What lender does Kristina work for, and is it FHA-approved?",
      "a": "CME Lending Group LLC, company NMLS 1248883, 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://themortgageexchange.com/team-member/kristina-morales/",
      "verified_at": "2026-10-15"
    },
    {
      "q": "How long has Kristina been licensed?",
      "a": "The earliest state license record LenDb holds for Kristina is from January 25, 2023 (Florida regulator). That is a record date from the rosters we hold, not proof of continuous licensure.",
      "fields": [
        "earliest_license_record"
      ],
      "source": "Florida state regulator",
      "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip",
      "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": 2414277,
    "slug": "kristina-donets-2414277",
    "canonical_url": "https://lendb.ai/lo/kristina-donets-2414277",
    "md_url": "https://lendb.ai/lo/kristina-donets-2414277.md",
    "json_url": "https://lendb.ai/lo/kristina-donets-2414277.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2414277",
    "full_name": {
      "value": "Kristina Morales",
      "source": "lender_site",
      "source_url": "https://themortgageexchange.com/team-member/kristina-morales/",
      "verified_at": "2026-10-15"
    },
    "first_name": "Kristina",
    "last_name": "Morales",
    "headshot_url": {
      "value": "https://themortgageexchange.com/clients/2915/uploads/2025/01/Kristina-Morales.png",
      "source": "lender_site",
      "source_url": "https://themortgageexchange.com/team-member/kristina-morales/",
      "verified_at": "2026-10-15"
    },
    "bio": null,
    "title": {
      "value": "Mortgage Loan Officer",
      "source": "lender_site",
      "source_url": "https://themortgageexchange.com/team-member/kristina-morales/",
      "verified_at": "2026-10-15"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://themortgageexchange.com/team-member/kristina-morales/",
      "verified_at": "2026-10-15"
    },
    "years_licensed": null,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 60,
    "current_employment": {
      "lender_nmls_id": 1248883,
      "lender_name": "CME Lending Group LLC",
      "lender_slug": "cme-lending-group-llc-1248883",
      "branch_city": null,
      "branch_state": null,
      "branch_zip": null,
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://themortgageexchange.com/team-member/kristina-morales/",
      "lender_type": "imb",
      "source": "lender_site",
      "source_url": "https://themortgageexchange.com/team-member/kristina-morales/",
      "verified_at": "2026-10-15"
    },
    "employment_history": [
      {
        "lender_nmls_id": 1248883,
        "lender_name": "CME Lending Group LLC",
        "lender_slug": "cme-lending-group-llc-1248883",
        "branch_city": null,
        "branch_state": null,
        "branch_zip": null,
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://themortgageexchange.com/team-member/kristina-morales/",
        "lender_type": "imb",
        "source": "lender_site",
        "source_url": "https://themortgageexchange.com/team-member/kristina-morales/",
        "verified_at": "2026-10-15"
      }
    ],
    "licenses": [
      {
        "state": "FL",
        "license_type": "state_license",
        "license_number": "LO116869",
        "status": "expired",
        "issued_at": "2023-01-25",
        "source": "state_regulator",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip",
        "verified_at": "2026-10-15",
        "confidence": "confirmed",
        "regulator": "fl"
      },
      {
        "state": "OH",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://themortgageexchange.com/team-member/kristina-morales/",
        "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": "2026-10-15",
    "updated_at": "2026-10-21 18:19:59.622077+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/kristina-donets-2414277#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://themortgageexchange.com/team-member/kristina-morales/",
      "verified_at": "2026-10-15"
    },
    "earliest_license_record": {
      "date": "2023-01-25",
      "state": "FL"
    },
    "licensed_since": {
      "year": 2023,
      "state": "FL"
    },
    "federal_registration": null
  }
}