{
  "canonical_url": "https://lendb.ai/lo/stephen-macdonald-104556",
  "loan_officer": {
    "nmls_id": 104556,
    "slug": "stephen-macdonald-104556",
    "canonical_url": "https://lendb.ai/lo/stephen-macdonald-104556",
    "md_url": "https://lendb.ai/lo/stephen-macdonald-104556.md",
    "json_url": "https://lendb.ai/lo/stephen-macdonald-104556.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/104556",
    "full_name": {
      "value": "Stephen MacDonald",
      "source": "lender_site",
      "source_url": "https://www.truist.com/finder/mortgage/stephen-macdonald-retail-loan-officer-cockeysville-md-21030",
      "verified_at": "2026-10-09"
    },
    "first_name": "Stephen",
    "last_name": "MacDonald",
    "headshot_url": {
      "value": "https://www.truist.com/content/dam/profiles/rep/M/MacDonald.Stephen.jpg",
      "source": "lender_site",
      "source_url": "https://www.truist.com/finder/mortgage/stephen-macdonald-retail-loan-officer-cockeysville-md-21030",
      "verified_at": "2026-10-09"
    },
    "bio": {
      "value": "Mortgage professional with over 19 years of experience specializing in physician loans (MD, DO, DPM, DMD, DDS) as well as all loan program types. Works with first-time and seasoned homebuyers, new construction, and refinances.",
      "source": "lender_site",
      "source_url": "https://www.truist.com/finder/mortgage/stephen-macdonald-retail-loan-officer-cockeysville-md-21030",
      "verified_at": "2026-10-09"
    },
    "title": {
      "value": "Retail Loan Officer",
      "source": "lender_site",
      "source_url": "https://www.truist.com/finder/mortgage/stephen-macdonald-retail-loan-officer-cockeysville-md-21030",
      "verified_at": "2026-10-09"
    },
    "languages": {
      "value": [
        "en"
      ],
      "source": "lender_site",
      "source_url": "https://www.truist.com/finder/mortgage/stephen-macdonald-retail-loan-officer-cockeysville-md-21030",
      "verified_at": "2026-10-09"
    },
    "years_licensed": null,
    "years_experience": {
      "value": 19,
      "source": "lender_site",
      "source_url": "https://www.truist.com/finder/mortgage/stephen-macdonald-retail-loan-officer-cockeysville-md-21030",
      "verified_at": "2026-10-09"
    },
    "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": "Cockeysville",
      "branch_state": "MD",
      "branch_zip": "21030",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://www.truist.com/finder/mortgage/stephen-macdonald-retail-loan-officer-cockeysville-md-21030",
      "lender_type": "bank",
      "source": "lender_site",
      "source_url": "https://www.truist.com/finder/mortgage/stephen-macdonald-retail-loan-officer-cockeysville-md-21030",
      "verified_at": "2026-10-09"
    },
    "employment_history": [
      {
        "lender_nmls_id": 399803,
        "lender_name": "Truist Bank",
        "lender_slug": "truist-399803",
        "branch_city": "Cockeysville",
        "branch_state": "MD",
        "branch_zip": "21030",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://www.truist.com/finder/mortgage/stephen-macdonald-retail-loan-officer-cockeysville-md-21030",
        "lender_type": "bank",
        "source": "lender_site",
        "source_url": "https://www.truist.com/finder/mortgage/stephen-macdonald-retail-loan-officer-cockeysville-md-21030",
        "verified_at": "2026-10-09"
      }
    ],
    "licenses": [],
    "specialties": [
      {
        "slug": "physician",
        "label": "Physician and medical professional",
        "evidence": "lender_page_text",
        "confidence": 0.9,
        "source": "lender_site",
        "source_url": "https://www.truist.com/finder/mortgage/stephen-macdonald-retail-loan-officer-cockeysville-md-21030",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "va",
        "label": "VA loan",
        "evidence": "lender_page_text",
        "confidence": 0.2,
        "source": "lender_site",
        "source_url": "https://www.truist.com/finder/mortgage/stephen-macdonald-retail-loan-officer-cockeysville-md-21030",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "jumbo",
        "label": "Jumbo loan",
        "evidence": "lender_page_text",
        "confidence": 0.1,
        "source": "lender_site",
        "source_url": "https://www.truist.com/finder/mortgage/stephen-macdonald-retail-loan-officer-cockeysville-md-21030",
        "verified_at": "2026-10-09"
      }
    ],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "19",
        "source": "lender_site",
        "source_url": "https://www.truist.com/finder/mortgage/stephen-macdonald-retail-loan-officer-cockeysville-md-21030",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "credential",
        "value": "Doctor loan specialist",
        "source": "lender_site",
        "source_url": "https://www.truist.com/finder/mortgage/stephen-macdonald-retail-loan-officer-cockeysville-md-21030",
        "verified_at": "2026-10-09"
      }
    ],
    "last_verified_at": "2026-10-09",
    "updated_at": "2026-10-09 12:20:53.410249+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/stephen-macdonald-104556#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/stephen-macdonald-retail-loan-officer-cockeysville-md-21030",
      "verified_at": "2026-10-09"
    },
    "licensed_since": null,
    "federal_registration": {
      "status": "likely",
      "basis": "employer_type",
      "employer_type": "bank",
      "note": "Federally registered MLOs aren't state-licensed; verify at NMLS"
    }
  }
}