---
canonical_url: https://lendb.ai/lo/victor-hernandez-1002932
json_url: https://lendb.ai/lo/victor-hernandez-1002932.json
nmls_id: 1002932
last_verified: 2026-10-09
---

# Victor Hernandez

Mortgage Loan Officer at Truist Bank, St Cloud, FL. NMLS ID 1002932 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1002932)).

**Summary:** Victor Hernandez (NMLS 1002932) is Mortgage Loan Officer at Truist Bank, based in St Cloud, FL. Licensed in Florida, confirmed with the state regulator (license LO97526). Works at a bank, so likely federally registered: Federally registered MLOs aren't state-licensed; verify at NMLS. Focus areas shown on the lender page: VA loan. Speaks English and Spanish. Licensed since 2021 (per Florida records). Last verified 2026-10-09.

## At a glance

- Licensed since 2021 (per Florida records). This is license history on file, not total experience.
- Licensed in: Florida (FL, confirmed)
- Federal registration: likely (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS.
- License confidence: confirmed = state regulator roster; lender_reported = listed on the lender page only; federal_registration = inferred from a bank or credit union employer.
- Languages: English, Spanish
- Profile: unclaimed
- Status: active

## Specialties

- **VA loan** (`va`): lender page, confidence 0.23, verified 2026-10-09. Source: https://www.truist.com/finder/mortgage/victor-hernandez-mortgage-loan-officer-st-cloud-fl-34769

## About

Victor is a bilingual mortgage professional serving Spanish and English-speaking clients. They focus on making the loan application process transparent and efficient.

Source: LenDb summary of the lender page, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO97526 | active | confirmed | 2021-11-15 | state_regulator | 2026-10-09 |

## Employment history

- ? to present: Truist Bank (NMLS 399803), St Cloud, FL. Source: https://www.truist.com/finder/mortgage/victor-hernandez-mortgage-loan-officer-st-cloud-fl-34769, verified 2026-10-09.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1002932

## Contact

- View profile at Truist Bank: https://www.truist.com/finder/mortgage/victor-hernandez-mortgage-loan-officer-st-cloud-fl-34769
- Office phone and Email on file: shown at https://lendb.ai/lo/victor-hernandez-1002932#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1002932
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip
- lender_site: https://www.truist.com/finder/mortgage/victor-hernandez-mortgage-loan-officer-st-cloud-fl-34769

Cite as: Victor Hernandez (NMLS 1002932), Truist Bank. LenDb.ai, https://lendb.ai/lo/victor-hernandez-1002932, last verified 2026-10-09.

_Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._