{
  "canonical_url": "https://lendb.ai/lo/martin-krukowski-2854165",
  "lede": {
    "text": "Martin Krukowski (NMLS 2854165) is a mortgage loan officer at INDEPENDENCE HOME LOANS LLC, licensed in Missouri.",
    "fields": [
      "full_name",
      "nmls_id",
      "current_employment",
      "licenses"
    ]
  },
  "quick_answers": [
    {
      "q": "Is Martin licensed in Missouri?",
      "a": "Yes. Missouri regulator records list a license as active (verified 2026-10-19).",
      "fields": [
        "licenses"
      ],
      "source": "Missouri state regulator",
      "source_url": "https://finance.mo.gov/banks-0/bank-licensee-search",
      "verified_at": "2026-10-19"
    },
    {
      "q": "What lender does Martin work for?",
      "a": "INDEPENDENCE HOME LOANS LLC, company NMLS 2524174, per the lender's own site (verified 2026-10-15).",
      "fields": [
        "current_employment"
      ],
      "source": "lender site",
      "source_url": "https://independencehl.com/martin-krukowski/",
      "verified_at": "2026-10-15"
    },
    {
      "q": "How much experience does Martin have?",
      "a": "Martin states 20 years of experience.",
      "fields": [
        "years_experience"
      ],
      "source": "the loan officer's own statement",
      "source_url": "https://independencehl.com/martin-krukowski/",
      "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": 2854165,
    "slug": "martin-krukowski-2854165",
    "canonical_url": "https://lendb.ai/lo/martin-krukowski-2854165",
    "md_url": "https://lendb.ai/lo/martin-krukowski-2854165.md",
    "json_url": "https://lendb.ai/lo/martin-krukowski-2854165.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2854165",
    "full_name": {
      "value": "Martin Krukowski",
      "source": "lender_site",
      "source_url": "https://independencehl.com/martin-krukowski/",
      "verified_at": "2026-10-15"
    },
    "first_name": "Martin",
    "last_name": "Krukowski",
    "licensed_names": [
      {
        "name": "Martin Krukowski",
        "name_with_middle_initial": "Martin F. Krukowski",
        "first_name": "Martin",
        "middle_initial": "F",
        "last_name": "Krukowski",
        "states": [
          "MO"
        ],
        "source": "state_regulator",
        "as_of": "2026-10-19"
      }
    ],
    "headshot_url": {
      "value": "https://independencehl.com/wp-content/uploads/2026/06/MartinKrukowskiWebsite-350x350.png",
      "source": "lender_site",
      "source_url": "https://independencehl.com/martin-krukowski/",
      "verified_at": "2026-10-15"
    },
    "bio": null,
    "title": {
      "value": "Junior Loan Officer (IGNITE)",
      "source": "lender_site",
      "source_url": "https://independencehl.com/martin-krukowski/",
      "verified_at": "2026-10-15"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://independencehl.com/martin-krukowski/",
      "verified_at": "2026-10-15"
    },
    "years_licensed": null,
    "years_experience": {
      "value": 20,
      "source": "lender_site",
      "source_url": "https://independencehl.com/martin-krukowski/",
      "verified_at": "2026-10-15"
    },
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 55,
    "current_employment": {
      "lender_nmls_id": 2524174,
      "lender_name": "INDEPENDENCE HOME LOANS LLC",
      "lender_slug": "independence-home-loans-llc-2524174",
      "branch_city": null,
      "branch_state": null,
      "branch_zip": null,
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://independencehl.com/martin-krukowski/",
      "lender_type": "imb",
      "source": "lender_site",
      "source_url": "https://independencehl.com/martin-krukowski/",
      "verified_at": "2026-10-15"
    },
    "employment_history": [
      {
        "lender_nmls_id": 2524174,
        "lender_name": "INDEPENDENCE HOME LOANS LLC",
        "lender_slug": "independence-home-loans-llc-2524174",
        "branch_city": null,
        "branch_state": null,
        "branch_zip": null,
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://independencehl.com/martin-krukowski/",
        "lender_type": "imb",
        "source": "lender_site",
        "source_url": "https://independencehl.com/martin-krukowski/",
        "verified_at": "2026-10-15"
      }
    ],
    "licenses": [
      {
        "state": "MO",
        "license_type": "state_license",
        "license_number": null,
        "status": "active",
        "issued_at": null,
        "source": "state_regulator",
        "source_url": "https://finance.mo.gov/banks-0/bank-licensee-search",
        "verified_at": "2026-10-19",
        "confidence": "confirmed",
        "regulator": "mo"
      }
    ],
    "specialties": [],
    "lender_offers": [],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "20",
        "source": "lender_site",
        "source_url": "https://independencehl.com/martin-krukowski/",
        "verified_at": "2026-10-15"
      },
      {
        "kind": "education",
        "value": "Bachelor's degree, North Central College",
        "source": "lender_site",
        "source_url": "https://independencehl.com/martin-krukowski/",
        "verified_at": "2026-10-15"
      }
    ],
    "last_verified_at": "2026-10-19",
    "updated_at": "2026-10-19 16:38:56.338263+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/martin-krukowski-2854165#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://independencehl.com/martin-krukowski/",
      "verified_at": "2026-10-15"
    },
    "earliest_license_record": null,
    "licensed_since": null,
    "federal_registration": null
  }
}