{
  "canonical_url": "https://lendb.ai/lo/phyllis-gatlin-157263",
  "loan_officer": {
    "nmls_id": 157263,
    "slug": "phyllis-gatlin-157263",
    "canonical_url": "https://lendb.ai/lo/phyllis-gatlin-157263",
    "md_url": "https://lendb.ai/lo/phyllis-gatlin-157263.md",
    "json_url": "https://lendb.ai/lo/phyllis-gatlin-157263.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/157263",
    "full_name": {
      "value": "Phyllis Gatlin",
      "source": "lender_site",
      "source_url": "https://jacksonville.veteransunited.com/lo/phyllis-gatlin/",
      "verified_at": "2026-10-10"
    },
    "first_name": "Phyllis",
    "last_name": "Gatlin",
    "headshot_url": {
      "value": "https://www.veteransunited.com/assets/craft/images/loanofficers/phyllis-gatlin/Phyllis_NCJ.jpg",
      "source": "lender_site",
      "source_url": "https://jacksonville.veteransunited.com/lo/phyllis-gatlin/",
      "verified_at": "2026-10-10"
    },
    "bio": {
      "value": "Phyllis has more than 20 years in the mortgage industry, is a lifelong Onslow County resident, and highlights her VA loan expertise.",
      "source": "lender_site",
      "source_url": "https://jacksonville.veteransunited.com/lo/phyllis-gatlin/",
      "verified_at": "2026-10-10"
    },
    "title": {
      "value": "Senior Loan Officer",
      "source": "lender_site",
      "source_url": "https://jacksonville.veteransunited.com/lo/phyllis-gatlin/",
      "verified_at": "2026-10-10"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://jacksonville.veteransunited.com/lo/phyllis-gatlin/",
      "verified_at": "2026-10-10"
    },
    "years_licensed": null,
    "years_experience": {
      "value": 20,
      "source": "lender_site",
      "source_url": "https://jacksonville.veteransunited.com/lo/phyllis-gatlin/",
      "verified_at": "2026-10-10"
    },
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 90,
    "current_employment": {
      "lender_nmls_id": 1907,
      "lender_name": "Veterans United Home Loans",
      "lender_slug": "veterans-united-home-loans-1907",
      "branch_city": "Jacksonville",
      "branch_state": "NC",
      "branch_zip": "28546",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://jacksonville.veteransunited.com/lo/phyllis-gatlin/",
      "lender_type": "imb",
      "source": "lender_site",
      "source_url": "https://jacksonville.veteransunited.com/lo/phyllis-gatlin/",
      "verified_at": "2026-10-10"
    },
    "employment_history": [
      {
        "lender_nmls_id": 1907,
        "lender_name": "Veterans United Home Loans",
        "lender_slug": "veterans-united-home-loans-1907",
        "branch_city": "Jacksonville",
        "branch_state": "NC",
        "branch_zip": "28546",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://jacksonville.veteransunited.com/lo/phyllis-gatlin/",
        "lender_type": "imb",
        "source": "lender_site",
        "source_url": "https://jacksonville.veteransunited.com/lo/phyllis-gatlin/",
        "verified_at": "2026-10-10"
      }
    ],
    "licenses": [],
    "specialties": [
      {
        "slug": "va",
        "label": "VA loan",
        "evidence": "lender_page_text",
        "confidence": 0.85,
        "source": "lender_site",
        "source_url": "https://jacksonville.veteransunited.com/lo/phyllis-gatlin/",
        "verified_at": "2026-10-10"
      }
    ],
    "lender_offers": [
      {
        "slug": "fha",
        "label": "FHA loan",
        "lender_nmls_id": 1907,
        "lender_name": "Veterans United Home Loans",
        "source": "lender_site",
        "source_url": "https://www.veteransunited.com",
        "verified_at": "2026-10-10"
      },
      {
        "slug": "first-time-buyer",
        "label": "First-time buyer",
        "lender_nmls_id": 1907,
        "lender_name": "Veterans United Home Loans",
        "source": "lender_site",
        "source_url": "https://www.veteransunited.com",
        "verified_at": "2026-10-10"
      },
      {
        "slug": "jumbo",
        "label": "Jumbo loan",
        "lender_nmls_id": 1907,
        "lender_name": "Veterans United Home Loans",
        "source": "lender_site",
        "source_url": "https://www.veteransunited.com",
        "verified_at": "2026-10-10"
      },
      {
        "slug": "renovation",
        "label": "Renovation loan (203k / HomeStyle)",
        "lender_nmls_id": 1907,
        "lender_name": "Veterans United Home Loans",
        "source": "lender_site",
        "source_url": "https://www.veteransunited.com",
        "verified_at": "2026-10-10"
      },
      {
        "slug": "usda",
        "label": "USDA loan",
        "lender_nmls_id": 1907,
        "lender_name": "Veterans United Home Loans",
        "source": "lender_site",
        "source_url": "https://www.veteransunited.com",
        "verified_at": "2026-10-10"
      }
    ],
    "employer_program_approvals": [
      {
        "program": "fha",
        "source": "HUD",
        "as_of": "2026-08",
        "source_url": "https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot"
      }
    ],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "20",
        "source": "lender_site",
        "source_url": "https://jacksonville.veteransunited.com/lo/phyllis-gatlin/",
        "verified_at": "2026-10-10"
      },
      {
        "kind": "service_area",
        "value": "Onslow County, NC",
        "source": "lender_site",
        "source_url": "https://jacksonville.veteransunited.com/lo/phyllis-gatlin/",
        "verified_at": "2026-10-10"
      },
      {
        "kind": "community",
        "value": "Sponsor at the local USO",
        "source": "lender_site",
        "source_url": "https://jacksonville.veteransunited.com/lo/phyllis-gatlin/",
        "verified_at": "2026-10-10"
      }
    ],
    "last_verified_at": "2026-10-10",
    "updated_at": "2026-10-11 01:06:25.749767+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/phyllis-gatlin-157263#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://jacksonville.veteransunited.com/lo/phyllis-gatlin/",
      "verified_at": "2026-10-10"
    },
    "earliest_license_record": null,
    "licensed_since": null,
    "federal_registration": null
  }
}