{
  "canonical_url": "https://lendb.ai/lo/tor-hayward-174592",
  "loan_officer": {
    "nmls_id": 174592,
    "slug": "tor-hayward-174592",
    "canonical_url": "https://lendb.ai/lo/tor-hayward-174592",
    "md_url": "https://lendb.ai/lo/tor-hayward-174592.md",
    "json_url": "https://lendb.ai/lo/tor-hayward-174592.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/174592",
    "full_name": {
      "value": "Tor Hayward",
      "source": "lender_site",
      "source_url": "https://www.empirehomeloans.com/team/tor",
      "verified_at": "2026-10-09"
    },
    "first_name": "Tor",
    "last_name": "Hayward",
    "headshot_url": {
      "value": "https://v5.airtableusercontent.com/v3/u/58/58/1791554400000/krKtQmiTVs4oQPnSGcQv_g/fBfdd3i2JKuL9PmjZZGc8EcbPrtdPWqBBWZzE5tTrUba9C0awP4hG4TRzwicCl90omEfKaCYcqlGBgl4q8umvwqcgQz56iN23W9hCrLfgWEke1qs_hWSVucJNjRtRDEzlwvQb8acFnoXfJ6tB3ymJWN5BmCMy5OGLKfJJRJjvtQ/aV_Fpo26efGmQK9erdPtb4qFUOCMHbgQ0s8jpmkbumU",
      "source": "lender_site",
      "source_url": "https://www.empirehomeloans.com/team/tor",
      "verified_at": "2026-10-09"
    },
    "bio": {
      "value": "Tor has over 25 years of experience in the mortgage industry and is deeply connected to Grand Junction, Colorado, where he helps friends, family, classmates and community achieve homeownership goals.",
      "source": "lender_site",
      "source_url": "https://www.empirehomeloans.com/team/tor",
      "verified_at": "2026-10-09"
    },
    "title": {
      "value": "Loan Officer",
      "source": "lender_site",
      "source_url": "https://www.empirehomeloans.com/team/tor",
      "verified_at": "2026-10-09"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://www.empirehomeloans.com/team/tor",
      "verified_at": "2026-10-09"
    },
    "years_licensed": null,
    "years_experience": {
      "value": 25,
      "source": "lender_site",
      "source_url": "https://www.empirehomeloans.com/team/tor",
      "verified_at": "2026-10-09"
    },
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 80,
    "current_employment": {
      "lender_nmls_id": 1839243,
      "lender_name": "Empire Home Loans",
      "lender_slug": "empire-home-loans-1839243",
      "branch_city": "Grand Junction",
      "branch_state": "CO",
      "branch_zip": null,
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://www.empirehomeloans.com/team/tor",
      "lender_type": "broker",
      "source": "lender_site",
      "source_url": "https://www.empirehomeloans.com/team/tor",
      "verified_at": "2026-10-09"
    },
    "employment_history": [
      {
        "lender_nmls_id": 1839243,
        "lender_name": "Empire Home Loans",
        "lender_slug": "empire-home-loans-1839243",
        "branch_city": "Grand Junction",
        "branch_state": "CO",
        "branch_zip": null,
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://www.empirehomeloans.com/team/tor",
        "lender_type": "broker",
        "source": "lender_site",
        "source_url": "https://www.empirehomeloans.com/team/tor",
        "verified_at": "2026-10-09"
      }
    ],
    "licenses": [
      {
        "state": "FL",
        "license_type": "state_license",
        "license_number": "LO94383",
        "status": "expired",
        "issued_at": "2021-09-10",
        "source": "state_regulator",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip",
        "verified_at": "2026-10-09",
        "confidence": "confirmed"
      }
    ],
    "specialties": [],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "25",
        "source": "lender_site",
        "source_url": "https://www.empirehomeloans.com/team/tor",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "service_area",
        "value": "Grand Junction and Collbran, Colorado",
        "source": "lender_site",
        "source_url": "https://www.empirehomeloans.com/team/tor",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "community",
        "value": "Supports local charities in Grand Junction and Collbran, Colorado",
        "source": "lender_site",
        "source_url": "https://www.empirehomeloans.com/team/tor",
        "verified_at": "2026-10-09"
      }
    ],
    "last_verified_at": "2026-10-09",
    "updated_at": "2026-10-10 10:03:57.48204+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/tor-hayward-174592#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/tor",
      "verified_at": "2026-10-09"
    },
    "earliest_license_record": {
      "date": "2021-09-10",
      "state": "FL"
    },
    "licensed_since": {
      "year": 2021,
      "state": "FL"
    },
    "federal_registration": null
  }
}