{
  "canonical_url": "https://lendb.ai/lo/ryan-hertz-1238981",
  "loan_officer": {
    "nmls_id": 1238981,
    "slug": "ryan-hertz-1238981",
    "canonical_url": "https://lendb.ai/lo/ryan-hertz-1238981",
    "md_url": "https://lendb.ai/lo/ryan-hertz-1238981.md",
    "json_url": "https://lendb.ai/lo/ryan-hertz-1238981.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1238981",
    "full_name": {
      "value": "Ryan Hertz",
      "source": "lender_site",
      "source_url": "https://pacifichomeloans.com/bio-ryan-hertz/",
      "verified_at": "2026-10-15"
    },
    "first_name": "Ryan",
    "last_name": "Hertz",
    "headshot_url": {
      "value": "https://i0.wp.com/pacifichomeloans.com/wp-content/uploads/2023/11/RyanHertz.jpg?fit=267%2C400&ssl=1",
      "source": "lender_site",
      "source_url": "https://pacifichomeloans.com/bio-ryan-hertz/",
      "verified_at": "2026-10-15"
    },
    "bio": {
      "value": "Ryan Hertz is a Mortgage Loan Originator in Kihei, HI, with over 18 years in Maui real estate. Ryan was raised in Western Montana before moving to Maui in 2002. Their areas serviced are Hawaii, all islands, Arizona, California, Montana, Nevada and Oregon.",
      "source": "lender_site",
      "source_url": "https://pacifichomeloans.com/bio-ryan-hertz/",
      "verified_at": "2026-10-15"
    },
    "title": {
      "value": "Mortgage Loan Originator",
      "source": "lender_site",
      "source_url": "https://pacifichomeloans.com/bio-ryan-hertz/",
      "verified_at": "2026-10-15"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://pacifichomeloans.com/bio-ryan-hertz/",
      "verified_at": "2026-10-15"
    },
    "years_licensed": null,
    "years_experience": {
      "value": 18,
      "source": "lender_site",
      "source_url": "https://pacifichomeloans.com/bio-ryan-hertz/",
      "verified_at": "2026-10-15"
    },
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 70,
    "current_employment": {
      "lender_nmls_id": 278194,
      "lender_name": "Pacific Home Loans, Inc.",
      "lender_slug": "pacific-home-loans-inc-278194",
      "branch_city": "Kihei",
      "branch_state": "HI",
      "branch_zip": "96753",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://pacifichomeloans.com/bio-ryan-hertz/",
      "lender_type": "imb",
      "source": "lender_site",
      "source_url": "https://pacifichomeloans.com/bio-ryan-hertz/",
      "verified_at": "2026-10-15"
    },
    "employment_history": [
      {
        "lender_nmls_id": 278194,
        "lender_name": "Pacific Home Loans, Inc.",
        "lender_slug": "pacific-home-loans-inc-278194",
        "branch_city": "Kihei",
        "branch_state": "HI",
        "branch_zip": "96753",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://pacifichomeloans.com/bio-ryan-hertz/",
        "lender_type": "imb",
        "source": "lender_site",
        "source_url": "https://pacifichomeloans.com/bio-ryan-hertz/",
        "verified_at": "2026-10-15"
      }
    ],
    "licenses": [],
    "specialties": [],
    "lender_offers": [],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "18",
        "source": "lender_site",
        "source_url": "https://pacifichomeloans.com/bio-ryan-hertz/",
        "verified_at": "2026-10-15"
      }
    ],
    "last_verified_at": "2026-10-15",
    "updated_at": "2026-10-15 20:58:18.771897+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office"
      ],
      "reveal_url": "https://lendb.ai/lo/ryan-hertz-1238981#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://pacifichomeloans.com/bio-ryan-hertz/",
      "verified_at": "2026-10-15"
    },
    "earliest_license_record": null,
    "licensed_since": null,
    "federal_registration": null
  }
}