{
  "canonical_url": "https://lendb.ai/lo/rubi-mendoza-ruiz-2317586",
  "lede": {
    "text": "Based in Yakima, Washington, Rubi Mendoza Ruiz (NMLS 2317586) is a Residential Loan Officer at Banner Bank.",
    "fields": [
      "full_name",
      "nmls_id",
      "title",
      "current_employment"
    ]
  },
  "quick_answers": [
    {
      "q": "Is Rubi licensed?",
      "a": "Rubi works at a bank; bank loan officers register with NMLS federally instead of holding state licenses. Verify at NMLS Consumer Access.",
      "fields": [
        "federal_registration",
        "current_employment"
      ],
      "source": "employer type in LenDb's lender registry",
      "source_url": null,
      "verified_at": "2026-10-21"
    },
    {
      "q": "What lender does Rubi work for?",
      "a": "Banner Bank, company NMLS 439266, from the Yakima, WA office, per the lender's own site (verified 2026-10-21).",
      "fields": [
        "current_employment"
      ],
      "source": "lender site",
      "source_url": "https://loanofficers.bannerbank.com/wa/yakima/rubi-mendoza-ruiz",
      "verified_at": "2026-10-21"
    }
  ],
  "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": 2317586,
    "slug": "rubi-mendoza-ruiz-2317586",
    "canonical_url": "https://lendb.ai/lo/rubi-mendoza-ruiz-2317586",
    "md_url": "https://lendb.ai/lo/rubi-mendoza-ruiz-2317586.md",
    "json_url": "https://lendb.ai/lo/rubi-mendoza-ruiz-2317586.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2317586",
    "full_name": {
      "value": "Rubi Mendoza Ruiz",
      "source": "lender_site",
      "source_url": "https://loanofficers.bannerbank.com/wa/yakima/rubi-mendoza-ruiz",
      "verified_at": "2026-10-21"
    },
    "first_name": "Rubi",
    "last_name": "Mendoza Ruiz",
    "headshot_url": null,
    "bio": null,
    "title": {
      "value": "Residential Loan Officer",
      "source": "lender_site",
      "source_url": "https://loanofficers.bannerbank.com/wa/yakima/rubi-mendoza-ruiz",
      "verified_at": "2026-10-21"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://loanofficers.bannerbank.com/wa/yakima/rubi-mendoza-ruiz",
      "verified_at": "2026-10-21"
    },
    "years_licensed": null,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 50,
    "current_employment": {
      "lender_nmls_id": 439266,
      "lender_name": "Banner Bank",
      "lender_slug": "banner-bank-439266",
      "branch_city": "Yakima",
      "branch_state": "WA",
      "branch_zip": "98908",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://loanofficers.bannerbank.com/wa/yakima/rubi-mendoza-ruiz",
      "lender_type": "bank",
      "source": "lender_site",
      "source_url": "https://loanofficers.bannerbank.com/wa/yakima/rubi-mendoza-ruiz",
      "verified_at": "2026-10-21"
    },
    "employment_history": [
      {
        "lender_nmls_id": 439266,
        "lender_name": "Banner Bank",
        "lender_slug": "banner-bank-439266",
        "branch_city": "Yakima",
        "branch_state": "WA",
        "branch_zip": "98908",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://loanofficers.bannerbank.com/wa/yakima/rubi-mendoza-ruiz",
        "lender_type": "bank",
        "source": "lender_site",
        "source_url": "https://loanofficers.bannerbank.com/wa/yakima/rubi-mendoza-ruiz",
        "verified_at": "2026-10-21"
      }
    ],
    "licenses": [],
    "specialties": [],
    "lender_offers": [],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [],
    "last_verified_at": "2026-10-21",
    "updated_at": "2026-10-21 19:29:03.943786+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/rubi-mendoza-ruiz-2317586#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://loanofficers.bannerbank.com/wa/yakima/rubi-mendoza-ruiz",
      "verified_at": "2026-10-21"
    },
    "earliest_license_record": null,
    "licensed_since": null,
    "federal_registration": {
      "status": "likely",
      "basis": "employer_type",
      "employer_type": "bank",
      "note": "Federally registered MLOs aren't state-licensed; verify at NMLS"
    }
  }
}