{
  "canonical_url": "https://lendb.ai/lo/karen-sims-150336",
  "loan_officer": {
    "nmls_id": 150336,
    "slug": "karen-sims-150336",
    "canonical_url": "https://lendb.ai/lo/karen-sims-150336",
    "md_url": "https://lendb.ai/lo/karen-sims-150336.md",
    "json_url": "https://lendb.ai/lo/karen-sims-150336.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/150336",
    "full_name": {
      "value": "Karen Sims",
      "source": "lender_site",
      "source_url": "https://www.highlandsmortgage.com/agents/karen-sims/",
      "verified_at": "2026-10-09"
    },
    "first_name": "Karen",
    "last_name": "Sims",
    "headshot_url": null,
    "bio": {
      "value": "Karen obtained a BS in accounting from the University of Tennessee in 1992 and has worked in mortgage since starting as a loan processor. She specializes in helping first-time homebuyers achieve homeownership.",
      "source": "lender_site",
      "source_url": "https://www.highlandsmortgage.com/agents/karen-sims/",
      "verified_at": "2026-10-09"
    },
    "title": {
      "value": "Loan Officer",
      "source": "lender_site",
      "source_url": "https://www.highlandsmortgage.com/agents/karen-sims/",
      "verified_at": "2026-10-09"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://www.highlandsmortgage.com/agents/karen-sims/",
      "verified_at": "2026-10-09"
    },
    "years_licensed": null,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 80,
    "current_employment": {
      "lender_nmls_id": 134871,
      "lender_name": "Highlands Residential Mortgage",
      "lender_slug": "highlands-residential-mortgage-134871",
      "branch_city": "Chattanooga",
      "branch_state": "TN",
      "branch_zip": "37421",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://www.highlandsmortgage.com/agents/karen-sims/",
      "lender_type": "imb",
      "source": "lender_site",
      "source_url": "https://www.highlandsmortgage.com/agents/karen-sims/",
      "verified_at": "2026-10-09"
    },
    "employment_history": [
      {
        "lender_nmls_id": 134871,
        "lender_name": "Highlands Residential Mortgage",
        "lender_slug": "highlands-residential-mortgage-134871",
        "branch_city": "Chattanooga",
        "branch_state": "TN",
        "branch_zip": "37421",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://www.highlandsmortgage.com/agents/karen-sims/",
        "lender_type": "imb",
        "source": "lender_site",
        "source_url": "https://www.highlandsmortgage.com/agents/karen-sims/",
        "verified_at": "2026-10-09"
      }
    ],
    "licenses": [
      {
        "state": "AL",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.highlandsmortgage.com/agents/karen-sims/",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      },
      {
        "state": "GA",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.highlandsmortgage.com/agents/karen-sims/",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      },
      {
        "state": "TN",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.highlandsmortgage.com/agents/karen-sims/",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      }
    ],
    "specialties": [],
    "contacts": [
      {
        "kind": "linkedin_url",
        "value": "https://www.linkedin.com/in/karen-sims-3176536b/",
        "source": "lender_site",
        "source_url": "https://www.highlandsmortgage.com/agents/karen-sims/",
        "verified_at": "2026-10-09"
      }
    ],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "education",
        "value": "BS in accounting from The University of Tennessee",
        "source": "lender_site",
        "source_url": "https://www.highlandsmortgage.com/agents/karen-sims/",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "role",
        "value": "Started as a loan processor, later became a loan officer",
        "source": "lender_site",
        "source_url": "https://www.highlandsmortgage.com/agents/karen-sims/",
        "verified_at": "2026-10-09"
      }
    ],
    "last_verified_at": "2026-10-09",
    "updated_at": "2026-10-10 07:11:34.328675+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/karen-sims-150336#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.highlandsmortgage.com/agents/karen-sims/",
      "verified_at": "2026-10-09"
    },
    "earliest_license_record": null,
    "licensed_since": null,
    "federal_registration": null
  }
}