{
  "canonical_url": "https://lendb.ai/lo/victor-hernandez-1002932",
  "loan_officer": {
    "nmls_id": 1002932,
    "slug": "victor-hernandez-1002932",
    "canonical_url": "https://lendb.ai/lo/victor-hernandez-1002932",
    "md_url": "https://lendb.ai/lo/victor-hernandez-1002932.md",
    "json_url": "https://lendb.ai/lo/victor-hernandez-1002932.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1002932",
    "full_name": {
      "value": "Victor Hernandez",
      "source": "lender_site",
      "source_url": "https://www.truist.com/finder/mortgage/victor-hernandez-mortgage-loan-officer-st-cloud-fl-34769",
      "verified_at": "2026-10-09"
    },
    "first_name": "Victor",
    "last_name": "Hernandez",
    "headshot_url": {
      "value": "https://www.truist.com/content/dam/profiles/rep/H/H03762_VictorHernandez.jpg",
      "source": "lender_site",
      "source_url": "https://www.truist.com/finder/mortgage/victor-hernandez-mortgage-loan-officer-st-cloud-fl-34769",
      "verified_at": "2026-10-09"
    },
    "bio": {
      "value": "Victor is a bilingual mortgage professional serving Spanish and English-speaking clients. They focus on making the loan application process transparent and efficient.",
      "source": "lender_site",
      "source_url": "https://www.truist.com/finder/mortgage/victor-hernandez-mortgage-loan-officer-st-cloud-fl-34769",
      "verified_at": "2026-10-09"
    },
    "title": {
      "value": "Mortgage Loan Officer",
      "source": "lender_site",
      "source_url": "https://www.truist.com/finder/mortgage/victor-hernandez-mortgage-loan-officer-st-cloud-fl-34769",
      "verified_at": "2026-10-09"
    },
    "languages": {
      "value": [
        "en",
        "es"
      ],
      "source": "lender_site",
      "source_url": "https://www.truist.com/finder/mortgage/victor-hernandez-mortgage-loan-officer-st-cloud-fl-34769",
      "verified_at": "2026-10-09"
    },
    "years_licensed": 5,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 95,
    "current_employment": {
      "lender_nmls_id": 399803,
      "lender_name": "Truist Bank",
      "lender_slug": "truist-399803",
      "branch_city": "St Cloud",
      "branch_state": "FL",
      "branch_zip": "34769",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://www.truist.com/finder/mortgage/victor-hernandez-mortgage-loan-officer-st-cloud-fl-34769",
      "lender_type": "bank",
      "source": "lender_site",
      "source_url": "https://www.truist.com/finder/mortgage/victor-hernandez-mortgage-loan-officer-st-cloud-fl-34769",
      "verified_at": "2026-10-09"
    },
    "employment_history": [
      {
        "lender_nmls_id": 399803,
        "lender_name": "Truist Bank",
        "lender_slug": "truist-399803",
        "branch_city": "St Cloud",
        "branch_state": "FL",
        "branch_zip": "34769",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://www.truist.com/finder/mortgage/victor-hernandez-mortgage-loan-officer-st-cloud-fl-34769",
        "lender_type": "bank",
        "source": "lender_site",
        "source_url": "https://www.truist.com/finder/mortgage/victor-hernandez-mortgage-loan-officer-st-cloud-fl-34769",
        "verified_at": "2026-10-09"
      }
    ],
    "licenses": [
      {
        "state": "FL",
        "license_type": "state_license",
        "license_number": "LO97526",
        "status": "active",
        "issued_at": "2021-11-15",
        "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": 0.23,
        "source": "lender_site",
        "source_url": "https://www.truist.com/finder/mortgage/victor-hernandez-mortgage-loan-officer-st-cloud-fl-34769",
        "verified_at": "2026-10-09"
      }
    ],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [],
    "last_verified_at": "2026-10-09",
    "updated_at": "2026-10-09 12:24:46.80184+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/victor-hernandez-1002932#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.truist.com/finder/mortgage/victor-hernandez-mortgage-loan-officer-st-cloud-fl-34769",
      "verified_at": "2026-10-09"
    },
    "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"
    }
  }
}