{
  "canonical_url": "https://lendb.ai/lo/michael-hernandez-1068041",
  "lede": {
    "text": "Michael Hernandez (NMLS 1068041) is a mortgage loan officer at E Mortgage Capital, Inc., licensed in Florida since 2022 and in California, Arkansas and Wisconsin.",
    "fields": [
      "full_name",
      "nmls_id",
      "current_employment",
      "licenses",
      "earliest_license_record"
    ]
  },
  "quick_answers": [
    {
      "q": "Is Michael licensed in Florida?",
      "a": "Yes. Florida regulator records list license LO102852 as active, first effective February 22, 2022 (verified 2026-10-15). LenDb has 3 other states on file for Michael.",
      "fields": [
        "licenses"
      ],
      "source": "Florida state regulator",
      "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip",
      "verified_at": "2026-10-15"
    },
    {
      "q": "What lender does Michael work for?",
      "a": "E Mortgage Capital, Inc., company NMLS 1416824, per the lender's own site (verified 2026-10-15).",
      "fields": [
        "current_employment"
      ],
      "source": "lender site",
      "source_url": "https://www.dre.ca.gov/Licensees/ExamineeLicenseeListDataFiles.html",
      "verified_at": "2026-10-15"
    },
    {
      "q": "How long has Michael been licensed?",
      "a": "The earliest state license record LenDb holds for Michael is from February 22, 2022 (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": 1068041,
    "slug": "michael-hernandez-1068041",
    "canonical_url": "https://lendb.ai/lo/michael-hernandez-1068041",
    "md_url": "https://lendb.ai/lo/michael-hernandez-1068041.md",
    "json_url": "https://lendb.ai/lo/michael-hernandez-1068041.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1068041",
    "full_name": {
      "value": "Michael Hernandez",
      "source": "state_regulator",
      "source_url": "https://www.dre.ca.gov/Licensees/ExamineeLicenseeListDataFiles.html",
      "verified_at": "2026-10-15"
    },
    "first_name": "Michael",
    "last_name": "Hernandez",
    "licensed_names": [
      {
        "name": "Michael Hernandez",
        "name_with_middle_initial": "Michael R. Hernandez",
        "first_name": "Michael",
        "middle_initial": "R",
        "last_name": "Hernandez",
        "states": [
          "AR",
          "CA",
          "FL"
        ],
        "source": "state_regulator",
        "as_of": "2026-10-20"
      }
    ],
    "headshot_url": null,
    "bio": null,
    "title": null,
    "languages": {
      "value": [],
      "source": "state_regulator",
      "source_url": "https://www.dre.ca.gov/Licensees/ExamineeLicenseeListDataFiles.html",
      "verified_at": "2026-10-15"
    },
    "years_licensed": null,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 0,
    "current_employment": {
      "lender_nmls_id": 1416824,
      "lender_name": "E Mortgage Capital, Inc.",
      "lender_slug": "e-mortgage-capital-inc-1416824",
      "branch_city": null,
      "branch_state": null,
      "branch_zip": null,
      "start_date": null,
      "end_date": null,
      "lender_profile_url": null,
      "lender_type": "other",
      "source": "state_regulator",
      "source_url": "https://www.dre.ca.gov/Licensees/ExamineeLicenseeListDataFiles.html",
      "verified_at": "2026-10-15"
    },
    "employment_history": [
      {
        "lender_nmls_id": 1416824,
        "lender_name": "E Mortgage Capital, Inc.",
        "lender_slug": "e-mortgage-capital-inc-1416824",
        "branch_city": null,
        "branch_state": null,
        "branch_zip": null,
        "start_date": null,
        "end_date": null,
        "lender_profile_url": null,
        "lender_type": "other",
        "source": "state_regulator",
        "source_url": "https://www.dre.ca.gov/Licensees/ExamineeLicenseeListDataFiles.html",
        "verified_at": "2026-10-15"
      }
    ],
    "licenses": [
      {
        "state": "FL",
        "license_type": "state_license",
        "license_number": "LO102852",
        "status": "active",
        "issued_at": "2022-02-22",
        "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": "CA",
        "license_type": "state_license",
        "license_number": "01928010",
        "status": "active",
        "issued_at": null,
        "source": "state_regulator",
        "source_url": "https://www.dre.ca.gov/Licensees/ExamineeLicenseeListDataFiles.html",
        "verified_at": "2026-10-24",
        "confidence": "confirmed",
        "regulator": "ca_dre",
        "regulator_name": "California Department of Real Estate"
      },
      {
        "state": "AR",
        "license_type": "state_license",
        "license_number": null,
        "status": "active",
        "issued_at": null,
        "source": "state_regulator",
        "source_url": "https://securities.arkansas.gov/loans/nmls/",
        "verified_at": "2026-10-20",
        "confidence": "confirmed",
        "regulator": "ar"
      },
      {
        "state": "WI",
        "license_type": "state_license",
        "license_number": "1068041",
        "status": "active",
        "issued_at": "2025-04-04",
        "source": "state_regulator",
        "source_url": "https://dfi.wi.gov/Pages/BusinessServices/MortgageBanking/",
        "verified_at": "2026-10-21",
        "confidence": "confirmed",
        "regulator": "wi"
      }
    ],
    "specialties": [],
    "lender_offers": [],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [],
    "last_verified_at": "2026-10-24",
    "updated_at": "2026-10-24 19:30:30.882627+00",
    "disciplinary_check": "not_checked",
    "gated_contact": null,
    "earliest_license_record": {
      "date": "2022-02-22",
      "state": "FL"
    },
    "licensed_since": {
      "year": 2022,
      "state": "FL"
    },
    "federal_registration": null
  }
}