{
  "canonical_url": "https://lendb.ai/lo/stephanie-rae-penn-1056976",
  "loan_officer": {
    "nmls_id": 1056976,
    "slug": "stephanie-rae-penn-1056976",
    "canonical_url": "https://lendb.ai/lo/stephanie-rae-penn-1056976",
    "md_url": "https://lendb.ai/lo/stephanie-rae-penn-1056976.md",
    "json_url": "https://lendb.ai/lo/stephanie-rae-penn-1056976.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1056976",
    "full_name": {
      "value": "Stephanie Rae Penn",
      "source": "lender_site",
      "source_url": "https://www.barrettfinancial.com/stephanie-rae-penn",
      "verified_at": "2026-10-20"
    },
    "first_name": "Stephanie",
    "last_name": "Penn",
    "headshot_url": {
      "value": "https://d3i17xsp2ml938.cloudfront.net/sso/Jdhd9h7PMR40MoFuhGoqbpGMkKGyh5XyM2z3Devj.png",
      "source": "lender_site",
      "source_url": "https://www.barrettfinancial.com/stephanie-rae-penn",
      "verified_at": "2026-10-20"
    },
    "bio": {
      "value": "Stephanie Rae Penn is a Loan Originator licensed in IL and NV. Their page says they help people looking for property in Nevada or Illinois.",
      "source": "lender_site",
      "source_url": "https://www.barrettfinancial.com/stephanie-rae-penn",
      "verified_at": "2026-10-20"
    },
    "title": {
      "value": "Loan Originator",
      "source": "lender_site",
      "source_url": "https://www.barrettfinancial.com/stephanie-rae-penn",
      "verified_at": "2026-10-20"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://www.barrettfinancial.com/stephanie-rae-penn",
      "verified_at": "2026-10-20"
    },
    "years_licensed": null,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 85,
    "current_employment": {
      "lender_nmls_id": 181106,
      "lender_name": "Barrett Financial Group",
      "lender_slug": "barrett-financial-181106",
      "branch_city": "Las Vegas",
      "branch_state": "NV",
      "branch_zip": "89113",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://www.barrettfinancial.com/stephanie-rae-penn",
      "lender_type": "broker",
      "source": "lender_site",
      "source_url": "https://www.barrettfinancial.com/stephanie-rae-penn",
      "verified_at": "2026-10-20"
    },
    "employment_history": [
      {
        "lender_nmls_id": 181106,
        "lender_name": "Barrett Financial Group",
        "lender_slug": "barrett-financial-181106",
        "branch_city": "Las Vegas",
        "branch_state": "NV",
        "branch_zip": "89113",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://www.barrettfinancial.com/stephanie-rae-penn",
        "lender_type": "broker",
        "source": "lender_site",
        "source_url": "https://www.barrettfinancial.com/stephanie-rae-penn",
        "verified_at": "2026-10-20"
      }
    ],
    "licenses": [
      {
        "state": "IL",
        "license_type": "state_license",
        "license_number": "31.0053350",
        "status": "active",
        "issued_at": "2018-06-01",
        "source": "state_regulator",
        "source_url": "https://idfpr.illinois.gov/banks/resfin.html",
        "verified_at": "2026-10-28",
        "confidence": "confirmed",
        "regulator": "il"
      },
      {
        "state": "NV",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.barrettfinancial.com/stephanie-rae-penn",
        "verified_at": "2026-10-20",
        "confidence": "lender_reported"
      }
    ],
    "specialties": [],
    "lender_offers": [
      {
        "slug": "fha",
        "label": "FHA loan",
        "lender_nmls_id": 181106,
        "lender_name": "Barrett Financial Group",
        "source": "lender_site",
        "source_url": "https://www.barrettfinancial.com",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "heloc",
        "label": "HELOC",
        "lender_nmls_id": 181106,
        "lender_name": "Barrett Financial Group",
        "source": "lender_site",
        "source_url": "https://www.barrettfinancial.com",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "jumbo",
        "label": "Jumbo loan",
        "lender_nmls_id": 181106,
        "lender_name": "Barrett Financial Group",
        "source": "lender_site",
        "source_url": "https://www.barrettfinancial.com",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "non-qm",
        "label": "Non-QM loan",
        "lender_nmls_id": 181106,
        "lender_name": "Barrett Financial Group",
        "source": "lender_site",
        "source_url": "https://www.barrettfinancial.com",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "reverse",
        "label": "Reverse mortgage",
        "lender_nmls_id": 181106,
        "lender_name": "Barrett Financial Group",
        "source": "lender_site",
        "source_url": "https://www.barrettfinancial.com",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "usda",
        "label": "USDA loan",
        "lender_nmls_id": 181106,
        "lender_name": "Barrett Financial Group",
        "source": "lender_site",
        "source_url": "https://www.barrettfinancial.com",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "va",
        "label": "VA loan",
        "lender_nmls_id": 181106,
        "lender_name": "Barrett Financial Group",
        "source": "lender_site",
        "source_url": "https://www.barrettfinancial.com",
        "verified_at": "2026-10-09"
      }
    ],
    "contacts": [
      {
        "kind": "linkedin_url",
        "value": "https://www.linkedin.com/in/loanz4u/",
        "source": "lender_site",
        "source_url": "https://www.barrettfinancial.com/stephanie-rae-penn",
        "verified_at": "2026-10-20"
      }
    ],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "service_area",
        "value": "Nevada and Illinois",
        "source": "lender_site",
        "source_url": "https://www.barrettfinancial.com/stephanie-rae-penn",
        "verified_at": "2026-10-20"
      }
    ],
    "last_verified_at": "2026-10-28",
    "updated_at": "2026-10-28 14:33:10.461673+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/stephanie-rae-penn-1056976#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.barrettfinancial.com/stephanie-rae-penn",
      "verified_at": "2026-10-20"
    },
    "earliest_license_record": {
      "date": "2018-06-01",
      "state": "IL"
    },
    "licensed_since": {
      "year": 2018,
      "state": "IL"
    },
    "federal_registration": null
  }
}