{
  "canonical_url": "https://lendb.ai/lo/nelson-fernandez-1122727",
  "loan_officer": {
    "nmls_id": 1122727,
    "slug": "nelson-fernandez-1122727",
    "canonical_url": "https://lendb.ai/lo/nelson-fernandez-1122727",
    "md_url": "https://lendb.ai/lo/nelson-fernandez-1122727.md",
    "json_url": "https://lendb.ai/lo/nelson-fernandez-1122727.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1122727",
    "full_name": {
      "value": "Nelson Andres Fernandez",
      "source": "lender_site",
      "source_url": "https://homeloans.wellsfargo.com/mortgage/pa/allentown/nelson-fernandez",
      "verified_at": "2026-10-09"
    },
    "first_name": "Nelson",
    "last_name": "Fernandez",
    "headshot_url": {
      "value": "https://a.mktgcdn.com/p/o4F9Qd8g0rdi2LjbOtHklFCVo5XLtzQlJfS9zWb1GaY/153x181.jpg",
      "source": "lender_site",
      "source_url": "https://homeloans.wellsfargo.com/mortgage/pa/allentown/nelson-fernandez",
      "verified_at": "2026-10-09"
    },
    "bio": {
      "value": "Community mortgage consultant serving local home financing needs.",
      "source": "lender_site",
      "source_url": "https://homeloans.wellsfargo.com/mortgage/pa/allentown/nelson-fernandez",
      "verified_at": "2026-10-09"
    },
    "title": {
      "value": "Community Mortgage Consultant, Military Lending Specialist",
      "source": "lender_site",
      "source_url": "https://homeloans.wellsfargo.com/mortgage/pa/allentown/nelson-fernandez",
      "verified_at": "2026-10-09"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://homeloans.wellsfargo.com/mortgage/pa/allentown/nelson-fernandez",
      "verified_at": "2026-10-09"
    },
    "years_licensed": null,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 90,
    "current_employment": {
      "lender_nmls_id": 399801,
      "lender_name": "Wells Fargo Home Mortgage",
      "lender_slug": "wells-fargo-399801",
      "branch_city": "Allentown",
      "branch_state": "PA",
      "branch_zip": "18103",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://homeloans.wellsfargo.com/mortgage/pa/allentown/nelson-fernandez",
      "lender_type": "bank",
      "source": "lender_site",
      "source_url": "https://homeloans.wellsfargo.com/mortgage/pa/allentown/nelson-fernandez",
      "verified_at": "2026-10-09"
    },
    "employment_history": [
      {
        "lender_nmls_id": 399801,
        "lender_name": "Wells Fargo Home Mortgage",
        "lender_slug": "wells-fargo-399801",
        "branch_city": "Allentown",
        "branch_state": "PA",
        "branch_zip": "18103",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://homeloans.wellsfargo.com/mortgage/pa/allentown/nelson-fernandez",
        "lender_type": "bank",
        "source": "lender_site",
        "source_url": "https://homeloans.wellsfargo.com/mortgage/pa/allentown/nelson-fernandez",
        "verified_at": "2026-10-09"
      }
    ],
    "licenses": [
      {
        "state": "FL",
        "license_type": "state_license",
        "license_number": "LO83277",
        "status": "expired",
        "issued_at": "2021-03-05",
        "source": "state_regulator",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip",
        "verified_at": "2026-10-09",
        "confidence": "confirmed"
      }
    ],
    "specialties": [
      {
        "slug": "va",
        "label": "VA loan",
        "evidence": "lender_page_text",
        "confidence": 0.85,
        "source": "lender_site",
        "source_url": "https://homeloans.wellsfargo.com/mortgage/pa/allentown/nelson-fernandez",
        "verified_at": "2026-10-09"
      }
    ],
    "contacts": [
      {
        "kind": "linkedin_url",
        "value": "https://www.linkedin.com/in/nelson-fernandez-9966b221",
        "source": "lender_site",
        "source_url": "https://homeloans.wellsfargo.com/mortgage/pa/allentown/nelson-fernandez",
        "verified_at": "2026-10-09"
      }
    ],
    "disciplinary_actions": [],
    "media": [],
    "facts": [],
    "last_verified_at": "2026-10-09",
    "updated_at": "2026-10-09 20:49:59.073488+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/nelson-fernandez-1122727#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://homeloans.wellsfargo.com/mortgage/pa/allentown/nelson-fernandez",
      "verified_at": "2026-10-09"
    },
    "earliest_license_record": {
      "date": "2021-03-05",
      "state": "FL"
    },
    "licensed_since": {
      "year": 2021,
      "state": "FL"
    },
    "federal_registration": {
      "status": "likely",
      "basis": "employer_type",
      "employer_type": "bank",
      "note": "Federally registered MLOs aren't state-licensed; verify at NMLS"
    }
  }
}