{
  "canonical_url": "https://lendb.ai/lo/nick-cruthers-2425569",
  "loan_officer": {
    "nmls_id": 2425569,
    "slug": "nick-cruthers-2425569",
    "canonical_url": "https://lendb.ai/lo/nick-cruthers-2425569",
    "md_url": "https://lendb.ai/lo/nick-cruthers-2425569.md",
    "json_url": "https://lendb.ai/lo/nick-cruthers-2425569.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2425569",
    "full_name": {
      "value": "Nick Cruthers",
      "source": "lender_site",
      "source_url": "https://www.empirehomeloans.com/team/nick",
      "verified_at": "2026-10-09"
    },
    "first_name": "Nick",
    "last_name": "Cruthers",
    "headshot_url": {
      "value": "https://v5.airtableusercontent.com/v3/u/58/58/1791554400000/1lAQxYe2r0l9RaVYOhTveA/gQIEiF8xvRRd7TtZKpnfZr2MR_U6HFuWaBWA-tCz7q1cYsbzWhKmXvnm4HfLK0rwf0WZAtoIFHAhv5sBOa6PPXSm-Zps1Hq6anPnKky5Qp47jAW0r4KAYNcUAN9xkGOmB1ejQI82hdvm_aexcT9hfL9jF5Apr7vPLI1xgJxfcGk/i_ezrHHK3UUTMnLNoAOPCVct5qJt5wx63zJKFjj4RbU",
      "source": "lender_site",
      "source_url": "https://www.empirehomeloans.com/team/nick",
      "verified_at": "2026-10-09"
    },
    "bio": {
      "value": "Nick joined the Dock Street Mortgage Team in 2019 after 15 years in the automobile industry. He focuses on meticulous document preparation and accuracy, allowing team members to dedicate time to understanding client goals.",
      "source": "lender_site",
      "source_url": "https://www.empirehomeloans.com/team/nick",
      "verified_at": "2026-10-09"
    },
    "title": {
      "value": "Loan Officer",
      "source": "lender_site",
      "source_url": "https://www.empirehomeloans.com/team/nick",
      "verified_at": "2026-10-09"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://www.empirehomeloans.com/team/nick",
      "verified_at": "2026-10-09"
    },
    "years_licensed": null,
    "years_experience": {
      "value": 15,
      "source": "lender_site",
      "source_url": "https://www.empirehomeloans.com/team/nick",
      "verified_at": "2026-10-09"
    },
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 70,
    "current_employment": {
      "lender_nmls_id": 1839243,
      "lender_name": "Empire Home Loans",
      "lender_slug": "empire-home-loans-1839243",
      "branch_city": null,
      "branch_state": null,
      "branch_zip": null,
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://www.empirehomeloans.com/team/nick",
      "lender_type": "broker",
      "source": "lender_site",
      "source_url": "https://www.empirehomeloans.com/team/nick",
      "verified_at": "2026-10-09"
    },
    "employment_history": [
      {
        "lender_nmls_id": 1839243,
        "lender_name": "Empire Home Loans",
        "lender_slug": "empire-home-loans-1839243",
        "branch_city": null,
        "branch_state": null,
        "branch_zip": null,
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://www.empirehomeloans.com/team/nick",
        "lender_type": "broker",
        "source": "lender_site",
        "source_url": "https://www.empirehomeloans.com/team/nick",
        "verified_at": "2026-10-09"
      }
    ],
    "licenses": [],
    "specialties": [],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "15",
        "source": "lender_site",
        "source_url": "https://www.empirehomeloans.com/team/nick",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "role",
        "value": "Part of Dock Street Mortgage Team since 2019",
        "source": "lender_site",
        "source_url": "https://www.empirehomeloans.com/team/nick",
        "verified_at": "2026-10-09"
      }
    ],
    "last_verified_at": "2026-10-09",
    "updated_at": "2026-10-10 10:00:55.037858+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/nick-cruthers-2425569#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://www.empirehomeloans.com/team/nick",
      "verified_at": "2026-10-09"
    },
    "earliest_license_record": null,
    "licensed_since": null,
    "federal_registration": null
  }
}