{
  "canonical_url": "https://lendb.ai/lo/susan-simmons-1644779",
  "loan_officer": {
    "nmls_id": 1644779,
    "slug": "susan-simmons-1644779",
    "canonical_url": "https://lendb.ai/lo/susan-simmons-1644779",
    "md_url": "https://lendb.ai/lo/susan-simmons-1644779.md",
    "json_url": "https://lendb.ai/lo/susan-simmons-1644779.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1644779",
    "full_name": {
      "value": "Susan Simmons",
      "source": "lender_site",
      "source_url": "https://bankers.firstcitizens.com/mortgage/va/roanoke/susan-simmons",
      "verified_at": "2026-10-09"
    },
    "first_name": "Susan",
    "last_name": "Simmons",
    "headshot_url": {
      "value": "https://dynl.mktgcdn.com/p/AyFZ-i3ltMa3iXMFC-mpJwxdPI1CZ0bByuKS5re7Edg/150x180.jpg",
      "source": "lender_site",
      "source_url": "https://bankers.firstcitizens.com/mortgage/va/roanoke/susan-simmons",
      "verified_at": "2026-10-09"
    },
    "bio": {
      "value": "Susan is a native of Roanoke Valley with extensive background in lending, real estate, appraisal, taxation, and regulations. She holds an MBA from Averett University and is dedicated to helping diverse clients make the right loan choice.",
      "source": "lender_site",
      "source_url": "https://bankers.firstcitizens.com/mortgage/va/roanoke/susan-simmons",
      "verified_at": "2026-10-09"
    },
    "title": {
      "value": "Mortgage Banker Market Specialist",
      "source": "lender_site",
      "source_url": "https://bankers.firstcitizens.com/mortgage/va/roanoke/susan-simmons",
      "verified_at": "2026-10-09"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://bankers.firstcitizens.com/mortgage/va/roanoke/susan-simmons",
      "verified_at": "2026-10-09"
    },
    "years_licensed": null,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 95,
    "current_employment": {
      "lender_nmls_id": 503941,
      "lender_name": "First Citizens Bank",
      "lender_slug": "first-citizens-bank-503941",
      "branch_city": "Roanoke",
      "branch_state": "VA",
      "branch_zip": "24018",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://bankers.firstcitizens.com/mortgage/va/roanoke/susan-simmons",
      "lender_type": "bank",
      "source": "lender_site",
      "source_url": "https://bankers.firstcitizens.com/mortgage/va/roanoke/susan-simmons",
      "verified_at": "2026-10-09"
    },
    "employment_history": [
      {
        "lender_nmls_id": 503941,
        "lender_name": "First Citizens Bank",
        "lender_slug": "first-citizens-bank-503941",
        "branch_city": "Roanoke",
        "branch_state": "VA",
        "branch_zip": "24018",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://bankers.firstcitizens.com/mortgage/va/roanoke/susan-simmons",
        "lender_type": "bank",
        "source": "lender_site",
        "source_url": "https://bankers.firstcitizens.com/mortgage/va/roanoke/susan-simmons",
        "verified_at": "2026-10-09"
      }
    ],
    "licenses": [
      {
        "state": "VA",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://bankers.firstcitizens.com/mortgage/va/roanoke/susan-simmons",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      }
    ],
    "specialties": [
      {
        "slug": "construction",
        "label": "Construction loan",
        "evidence": "lender_page_text",
        "confidence": 0.7,
        "source": "lender_site",
        "source_url": "https://bankers.firstcitizens.com/mortgage/va/roanoke/susan-simmons",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "fha",
        "label": "FHA loan",
        "evidence": "lender_page_text",
        "confidence": 0.7,
        "source": "lender_site",
        "source_url": "https://bankers.firstcitizens.com/mortgage/va/roanoke/susan-simmons",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "first-time-buyer",
        "label": "First-time buyer",
        "evidence": "lender_page_text",
        "confidence": 0.7,
        "source": "lender_site",
        "source_url": "https://bankers.firstcitizens.com/mortgage/va/roanoke/susan-simmons",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "jumbo",
        "label": "Jumbo loan",
        "evidence": "lender_page_text",
        "confidence": 0.7,
        "source": "lender_site",
        "source_url": "https://bankers.firstcitizens.com/mortgage/va/roanoke/susan-simmons",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "physician",
        "label": "Physician and medical professional",
        "evidence": "lender_page_text",
        "confidence": 0.7,
        "source": "lender_site",
        "source_url": "https://bankers.firstcitizens.com/mortgage/va/roanoke/susan-simmons",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "renovation",
        "label": "Renovation loan (203k / HomeStyle)",
        "evidence": "lender_page_text",
        "confidence": 0.7,
        "source": "lender_site",
        "source_url": "https://bankers.firstcitizens.com/mortgage/va/roanoke/susan-simmons",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "self-employed",
        "label": "Self-employed",
        "evidence": "lender_page_text",
        "confidence": 0.7,
        "source": "lender_site",
        "source_url": "https://bankers.firstcitizens.com/mortgage/va/roanoke/susan-simmons",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "usda",
        "label": "USDA loan",
        "evidence": "lender_page_text",
        "confidence": 0.7,
        "source": "lender_site",
        "source_url": "https://bankers.firstcitizens.com/mortgage/va/roanoke/susan-simmons",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "vacation-home",
        "label": "Vacation home",
        "evidence": "lender_page_text",
        "confidence": 0.7,
        "source": "lender_site",
        "source_url": "https://bankers.firstcitizens.com/mortgage/va/roanoke/susan-simmons",
        "verified_at": "2026-10-09"
      }
    ],
    "contacts": [
      {
        "kind": "linkedin_url",
        "value": "https://www.linkedin.com/in/susan-a-simmons",
        "source": "lender_site",
        "source_url": "https://bankers.firstcitizens.com/mortgage/va/roanoke/susan-simmons",
        "verified_at": "2026-10-09"
      }
    ],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "extensive background in lending",
        "source": "lender_site",
        "source_url": "https://bankers.firstcitizens.com/mortgage/va/roanoke/susan-simmons",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "education",
        "value": "BBA and MBA from Averett University",
        "source": "lender_site",
        "source_url": "https://bankers.firstcitizens.com/mortgage/va/roanoke/susan-simmons",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "service_area",
        "value": "Bedford, Botetourt, Craig, Floyd, Franklin, Montgomery, Roanoke counties in VA",
        "source": "lender_site",
        "source_url": "https://bankers.firstcitizens.com/mortgage/va/roanoke/susan-simmons",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "community",
        "value": "Oak Grove Church of the Brethren, Miss Virginia Organization, Margaret R. Baker Charitable Foundation, Multiple Sclerosis Alliance of Virginia, Veterans Affairs/Wounded Warrior Project, Square Society",
        "source": "lender_site",
        "source_url": "https://bankers.firstcitizens.com/mortgage/va/roanoke/susan-simmons",
        "verified_at": "2026-10-09"
      }
    ],
    "last_verified_at": "2026-10-09",
    "updated_at": "2026-10-09 11:24:02.418803+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/susan-simmons-1644779#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://bankers.firstcitizens.com/mortgage/va/roanoke/susan-simmons",
      "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"
    }
  }
}