{
  "canonical_url": "https://lendb.ai/lo/miguel-barahona-2221025",
  "lede": {
    "text": "Miguel Barahona (NMLS 2221025) is an Executive Loan Officer at INDEPENDENCE HOME LOANS LLC, licensed in Illinois since 2024 and in Florida, Connecticut, Delaware and 7 more states.",
    "fields": [
      "full_name",
      "nmls_id",
      "title",
      "current_employment",
      "licenses",
      "earliest_license_record"
    ]
  },
  "quick_answers": [
    {
      "q": "Is Miguel licensed in Florida?",
      "a": "Yes. Florida regulator records list license LO136715 as active, first effective March 31, 2025 (verified 2026-10-15). LenDb has 10 other states on file for Miguel.",
      "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 Miguel work for?",
      "a": "INDEPENDENCE HOME LOANS LLC, company NMLS 2524174, per the lender's own site (verified 2026-10-26).",
      "fields": [
        "current_employment"
      ],
      "source": "lender site",
      "source_url": "https://independencehl.com/miguel-barahona/",
      "verified_at": "2026-10-26"
    },
    {
      "q": "How long has Miguel been licensed?",
      "a": "The earliest state license record LenDb holds for Miguel is from September 10, 2024 (Illinois regulator). That is a record date from the rosters we hold, not proof of continuous licensure.",
      "fields": [
        "earliest_license_record"
      ],
      "source": "Illinois state regulator",
      "source_url": "https://idfpr.illinois.gov/banks/resfin.html",
      "verified_at": "2026-10-28"
    }
  ],
  "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": 2221025,
    "slug": "miguel-barahona-2221025",
    "canonical_url": "https://lendb.ai/lo/miguel-barahona-2221025",
    "md_url": "https://lendb.ai/lo/miguel-barahona-2221025.md",
    "json_url": "https://lendb.ai/lo/miguel-barahona-2221025.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2221025",
    "full_name": {
      "value": "Miguel Barahona",
      "source": "lender_site",
      "source_url": "https://independencehl.com/miguel-barahona/",
      "verified_at": "2026-10-26"
    },
    "first_name": "Miguel",
    "last_name": "Barahona",
    "licensed_names": [
      {
        "name": "Miguel Barahona",
        "name_with_middle_initial": "Miguel A. Barahona",
        "first_name": "Miguel",
        "middle_initial": "A",
        "last_name": "Barahona",
        "states": [
          "AR",
          "CA",
          "CO",
          "CT",
          "DE",
          "FL",
          "MD",
          "MO",
          "NV",
          "OR"
        ],
        "source": "state_regulator",
        "as_of": "2026-10-30"
      }
    ],
    "headshot_url": {
      "value": "https://independencehl.com/wp-content/uploads/2026/10/MiguelBarahonaWebsite-350x350.png",
      "source": "lender_site",
      "source_url": "https://independencehl.com/miguel-barahona/",
      "verified_at": "2026-10-26"
    },
    "bio": {
      "value": "Miguel Barahona has been a Loan Officer since 2021 and was born and raised in Miami, Florida. They say they have consistently ranked among the top 10 bankers at each organization they have worked for.",
      "source": "lender_site",
      "source_url": "https://independencehl.com/miguel-barahona/",
      "verified_at": "2026-10-26"
    },
    "title": {
      "value": "Executive Loan Officer",
      "source": "lender_site",
      "source_url": "https://independencehl.com/miguel-barahona/",
      "verified_at": "2026-10-26"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://independencehl.com/miguel-barahona/",
      "verified_at": "2026-10-26"
    },
    "years_licensed": null,
    "years_experience": null,
    "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/miguel-barahona/",
      "lender_type": "imb",
      "source": "lender_site",
      "source_url": "https://independencehl.com/miguel-barahona/",
      "verified_at": "2026-10-26"
    },
    "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/miguel-barahona/",
        "lender_type": "imb",
        "source": "lender_site",
        "source_url": "https://independencehl.com/miguel-barahona/",
        "verified_at": "2026-10-26"
      }
    ],
    "licenses": [
      {
        "state": "FL",
        "license_type": "state_license",
        "license_number": "LO136715",
        "status": "active",
        "issued_at": "2025-03-31",
        "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": "CO",
        "license_type": "state_license",
        "license_number": "100544953",
        "status": "inactive",
        "issued_at": "2026-03-27",
        "source": "state_regulator",
        "source_url": "https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=352700&contact=582040",
        "verified_at": "2026-10-16",
        "confidence": "confirmed",
        "regulator": "co"
      },
      {
        "state": "CT",
        "license_type": "state_license",
        "license_number": "LO-2221025",
        "status": "active",
        "issued_at": null,
        "source": "state_regulator",
        "source_url": "https://portal.ct.gov/dob/consumer-credit-licenses/consumer-credit-licenses/mortgage-loan-originators-licensed-in-connecticut",
        "verified_at": "2026-10-15",
        "confidence": "confirmed",
        "regulator": "ct"
      },
      {
        "state": "DE",
        "license_type": "state_license",
        "license_number": null,
        "status": "active",
        "issued_at": null,
        "source": "state_regulator",
        "source_url": "https://banking.delaware.gov/delaware-approved-mortgage-loan-originators/",
        "verified_at": "2026-10-30",
        "confidence": "confirmed",
        "regulator": "de"
      },
      {
        "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"
      },
      {
        "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": "OR",
        "license_type": "state_license",
        "license_number": null,
        "status": "active",
        "issued_at": "2025-12-30",
        "source": "state_regulator",
        "source_url": "https://dfr.oregon.gov/",
        "verified_at": "2026-10-20",
        "confidence": "confirmed",
        "regulator": "or"
      },
      {
        "state": "WI",
        "license_type": "state_license",
        "license_number": "2221025",
        "status": "active",
        "issued_at": "2026-05-22",
        "source": "state_regulator",
        "source_url": "https://dfi.wi.gov/Pages/BusinessServices/MortgageBanking/",
        "verified_at": "2026-10-21",
        "confidence": "confirmed",
        "regulator": "wi"
      },
      {
        "state": "CA",
        "license_type": "state_license",
        "license_number": "CA-DFPI2221025",
        "status": "active",
        "issued_at": "2024-11-04",
        "source": "state_regulator",
        "source_url": "https://dfpi.ca.gov/",
        "verified_at": "2026-10-24",
        "confidence": "confirmed",
        "regulator": "ca_dfpi",
        "regulator_name": "California Department of Financial Protection and Innovation"
      },
      {
        "state": "MD",
        "license_type": "state_license",
        "license_number": null,
        "status": "active",
        "issued_at": null,
        "source": "state_regulator",
        "source_url": "https://www.labor.maryland.gov/finance/",
        "verified_at": "2026-10-26",
        "confidence": "confirmed",
        "regulator": "md"
      },
      {
        "state": "IL",
        "license_type": "state_license",
        "license_number": "31.0086679",
        "status": "active",
        "issued_at": "2024-09-10",
        "source": "state_regulator",
        "source_url": "https://idfpr.illinois.gov/banks/resfin.html",
        "verified_at": "2026-10-28",
        "confidence": "confirmed",
        "regulator": "il"
      },
      {
        "state": "NV",
        "license_type": "state_license",
        "license_number": "NMLO-176160",
        "status": "active",
        "issued_at": "2026-06-22",
        "source": "state_regulator",
        "source_url": "https://mld.nv.gov/",
        "verified_at": "2026-10-31",
        "confidence": "confirmed",
        "regulator": "nv"
      }
    ],
    "specialties": [],
    "lender_offers": [],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "since 2021",
        "source": "lender_site",
        "source_url": "https://independencehl.com/miguel-barahona/",
        "verified_at": "2026-10-26"
      },
      {
        "kind": "credential",
        "value": "consistently ranked among the top 10 bankers at every organization they have been part of",
        "source": "lender_site",
        "source_url": "https://independencehl.com/miguel-barahona/",
        "verified_at": "2026-10-26"
      }
    ],
    "last_verified_at": "2026-10-31",
    "updated_at": "2026-10-31 20:06:23.660637+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/miguel-barahona-2221025#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/miguel-barahona/",
      "verified_at": "2026-10-26"
    },
    "earliest_license_record": {
      "date": "2024-09-10",
      "state": "IL"
    },
    "licensed_since": {
      "year": 2024,
      "state": "IL"
    },
    "federal_registration": null
  }
}