{
  "canonical_url": "https://lendb.ai/lo/charlie-morgan-1599574",
  "loan_officer": {
    "nmls_id": 1599574,
    "slug": "charlie-morgan-1599574",
    "canonical_url": "https://lendb.ai/lo/charlie-morgan-1599574",
    "md_url": "https://lendb.ai/lo/charlie-morgan-1599574.md",
    "json_url": "https://lendb.ai/lo/charlie-morgan-1599574.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1599574",
    "full_name": {
      "value": "Charlie Morgan",
      "source": "lender_site",
      "source_url": "https://www.ruoff.com/CharlieMorgan",
      "verified_at": "2026-10-09"
    },
    "first_name": "Charlie",
    "last_name": "Morgan",
    "headshot_url": {
      "value": "https://a.ruoff.com/image/5a8ed5aa9851e66b6910eaa3a20b7412/size/600/type/fullShoulder",
      "source": "lender_site",
      "source_url": "https://www.ruoff.com/CharlieMorgan",
      "verified_at": "2026-10-09"
    },
    "bio": {
      "value": "Charlie is VP Branch Manager of Ruoff Mortgage's New Albany Group with over 10 years of mortgage lending experience, serving New Albany, Columbus and Central Ohio. They lead a team offering Conventional, FHA, VA, USDA, Jumbo, construction, bridge and Non-QM loans.",
      "source": "lender_site",
      "source_url": "https://www.ruoff.com/CharlieMorgan",
      "verified_at": "2026-10-09"
    },
    "title": {
      "value": "VP | Branch Manager",
      "source": "lender_site",
      "source_url": "https://www.ruoff.com/CharlieMorgan",
      "verified_at": "2026-10-09"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://www.ruoff.com/CharlieMorgan",
      "verified_at": "2026-10-09"
    },
    "years_licensed": null,
    "years_experience": {
      "value": 10,
      "source": "lender_site",
      "source_url": "https://www.ruoff.com/CharlieMorgan",
      "verified_at": "2026-10-09"
    },
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 65,
    "current_employment": {
      "lender_nmls_id": 141868,
      "lender_name": "Ruoff Mortgage",
      "lender_slug": "ruoff-mortgage-141868",
      "branch_city": null,
      "branch_state": null,
      "branch_zip": null,
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://www.ruoff.com/CharlieMorgan",
      "lender_type": "imb",
      "source": "lender_site",
      "source_url": "https://www.ruoff.com/CharlieMorgan",
      "verified_at": "2026-10-09"
    },
    "employment_history": [
      {
        "lender_nmls_id": 141868,
        "lender_name": "Ruoff Mortgage",
        "lender_slug": "ruoff-mortgage-141868",
        "branch_city": null,
        "branch_state": null,
        "branch_zip": null,
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://www.ruoff.com/CharlieMorgan",
        "lender_type": "imb",
        "source": "lender_site",
        "source_url": "https://www.ruoff.com/CharlieMorgan",
        "verified_at": "2026-10-09"
      }
    ],
    "licenses": [
      {
        "state": "NC",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.ruoff.com/CharlieMorgan",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      },
      {
        "state": "OH",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.ruoff.com/CharlieMorgan",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      },
      {
        "state": "SC",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.ruoff.com/CharlieMorgan",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      }
    ],
    "specialties": [],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "10",
        "source": "lender_site",
        "source_url": "https://www.ruoff.com/CharlieMorgan",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "role",
        "value": "VP Branch Manager of Ruoff Mortgage | The New Albany Group",
        "source": "lender_site",
        "source_url": "https://www.ruoff.com/CharlieMorgan",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "service_area",
        "value": "New Albany, Columbus and Central Ohio",
        "source": "lender_site",
        "source_url": "https://www.ruoff.com/CharlieMorgan",
        "verified_at": "2026-10-09"
      }
    ],
    "last_verified_at": "2026-10-09",
    "updated_at": "2026-10-10 07:32:27.498081+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office"
      ],
      "reveal_url": "https://lendb.ai/lo/charlie-morgan-1599574#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.ruoff.com/CharlieMorgan",
      "verified_at": "2026-10-09"
    },
    "earliest_license_record": null,
    "licensed_since": null,
    "federal_registration": null
  }
}