{
  "canonical_url": "https://lendb.ai/lo/michael-mcgarvey-1643074",
  "loan_officer": {
    "nmls_id": 1643074,
    "slug": "michael-mcgarvey-1643074",
    "canonical_url": "https://lendb.ai/lo/michael-mcgarvey-1643074",
    "md_url": "https://lendb.ai/lo/michael-mcgarvey-1643074.md",
    "json_url": "https://lendb.ai/lo/michael-mcgarvey-1643074.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1643074",
    "full_name": {
      "value": "Michael McGarvey",
      "source": "lender_site",
      "source_url": "https://usmortgagebanker.bmo.com/il/naperville/mm-1643074/",
      "verified_at": "2026-10-09"
    },
    "first_name": "Michael",
    "last_name": "McGarvey",
    "headshot_url": null,
    "bio": null,
    "title": {
      "value": "Centralized HELOC Banker",
      "source": "lender_site",
      "source_url": "https://usmortgagebanker.bmo.com/il/naperville/mm-1643074/",
      "verified_at": "2026-10-09"
    },
    "languages": {
      "value": [
        "en"
      ],
      "source": "lender_site",
      "source_url": "https://usmortgagebanker.bmo.com/il/naperville/mm-1643074/",
      "verified_at": "2026-10-09"
    },
    "years_licensed": null,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 65,
    "current_employment": {
      "lender_nmls_id": 401052,
      "lender_name": "BMO Bank",
      "lender_slug": "bmo-bank-401052",
      "branch_city": "Naperville",
      "branch_state": "IL",
      "branch_zip": "60563",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://usmortgagebanker.bmo.com/il/naperville/mm-1643074/",
      "lender_type": "bank",
      "source": "lender_site",
      "source_url": "https://usmortgagebanker.bmo.com/il/naperville/mm-1643074/",
      "verified_at": "2026-10-09"
    },
    "employment_history": [
      {
        "lender_nmls_id": 401052,
        "lender_name": "BMO Bank",
        "lender_slug": "bmo-bank-401052",
        "branch_city": "Naperville",
        "branch_state": "IL",
        "branch_zip": "60563",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://usmortgagebanker.bmo.com/il/naperville/mm-1643074/",
        "lender_type": "bank",
        "source": "lender_site",
        "source_url": "https://usmortgagebanker.bmo.com/il/naperville/mm-1643074/",
        "verified_at": "2026-10-09"
      }
    ],
    "licenses": [],
    "specialties": [
      {
        "slug": "heloc",
        "label": "HELOC",
        "evidence": "lender_page_text",
        "confidence": 0.85,
        "source": "lender_site",
        "source_url": "https://usmortgagebanker.bmo.com/il/naperville/mm-1643074/",
        "verified_at": "2026-10-09"
      }
    ],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [],
    "last_verified_at": "2026-10-09",
    "updated_at": "2026-10-10 09:45:05.070232+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/michael-mcgarvey-1643074#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://usmortgagebanker.bmo.com/il/naperville/mm-1643074/",
      "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"
    }
  }
}