{
  "canonical_url": "https://lendb.ai/lo/jessica-davila-1771438",
  "loan_officer": {
    "nmls_id": 1771438,
    "slug": "jessica-davila-1771438",
    "canonical_url": "https://lendb.ai/lo/jessica-davila-1771438",
    "md_url": "https://lendb.ai/lo/jessica-davila-1771438.md",
    "json_url": "https://lendb.ai/lo/jessica-davila-1771438.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1771438",
    "full_name": {
      "value": "Jessica Davila",
      "source": "state_regulator",
      "source_url": "https://smartermortgagelending.com/jessica-davila/",
      "verified_at": "2026-10-15"
    },
    "first_name": "Jessica",
    "last_name": "Davila",
    "licensed_names": [
      {
        "name": "Jessica Davila",
        "name_with_middle_initial": "Jessica S. Davila",
        "first_name": "Jessica",
        "middle_initial": "S",
        "last_name": "Davila",
        "states": [
          "TX"
        ],
        "source": "state_regulator",
        "as_of": "2026-10-12"
      }
    ],
    "headshot_url": {
      "value": "https://smartermortgagelending.com/wp-content/uploads/2015/09/Screenshot-2025-04-24-at-4.20.05-PM-350x350.webp",
      "source": "state_regulator",
      "source_url": "https://smartermortgagelending.com/jessica-davila/",
      "verified_at": "2026-10-15"
    },
    "bio": {
      "value": "Jessica Davila is a Mortgage Loan Origination Officer. They began their career in banking in 2004, moved into consumer lending, then spent 16 years in commercial lending before shifting their focus to the mortgage industry.",
      "source": "state_regulator",
      "source_url": "https://smartermortgagelending.com/jessica-davila/",
      "verified_at": "2026-10-15"
    },
    "title": {
      "value": "Mortgage Loan Origination Officer",
      "source": "state_regulator",
      "source_url": "https://smartermortgagelending.com/jessica-davila/",
      "verified_at": "2026-10-15"
    },
    "languages": {
      "value": [],
      "source": "state_regulator",
      "source_url": "https://smartermortgagelending.com/jessica-davila/",
      "verified_at": "2026-10-15"
    },
    "years_licensed": null,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 80,
    "current_employment": {
      "lender_nmls_id": 1817406,
      "lender_name": "Smarter Mortgage LLC",
      "lender_slug": "smarter-mortgage-llc-1817406",
      "branch_city": "Corpus Christi",
      "branch_state": "TX",
      "branch_zip": "78412",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://smartermortgagelending.com/jessica-davila/",
      "lender_type": "imb",
      "source": "state_regulator",
      "source_url": "https://smartermortgagelending.com/jessica-davila/",
      "verified_at": "2026-10-15"
    },
    "employment_history": [
      {
        "lender_nmls_id": 1817406,
        "lender_name": "Smarter Mortgage LLC",
        "lender_slug": "smarter-mortgage-llc-1817406",
        "branch_city": "Corpus Christi",
        "branch_state": "TX",
        "branch_zip": "78412",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://smartermortgagelending.com/jessica-davila/",
        "lender_type": "imb",
        "source": "state_regulator",
        "source_url": "https://smartermortgagelending.com/jessica-davila/",
        "verified_at": "2026-10-15"
      }
    ],
    "licenses": [
      {
        "state": "TX",
        "license_type": "state_license",
        "license_number": null,
        "status": "active",
        "issued_at": "2022-05-10",
        "source": "state_regulator",
        "source_url": "https://www.sml.texas.gov/",
        "verified_at": "2026-10-13",
        "confidence": "confirmed",
        "regulator": "tx"
      }
    ],
    "specialties": [],
    "lender_offers": [],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "other",
        "value": "Banking career since 2004",
        "source": "lender_site",
        "source_url": "https://smartermortgagelending.com/jessica-davila/",
        "verified_at": "2026-10-15"
      },
      {
        "kind": "other",
        "value": "16 years in commercial lending",
        "source": "lender_site",
        "source_url": "https://smartermortgagelending.com/jessica-davila/",
        "verified_at": "2026-10-15"
      }
    ],
    "last_verified_at": "2026-10-15",
    "updated_at": "2026-10-15 05:36:08.4929+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/jessica-davila-1771438#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://smartermortgagelending.com/jessica-davila/",
      "verified_at": "2026-10-15"
    },
    "earliest_license_record": {
      "date": "2022-05-10",
      "state": "TX"
    },
    "licensed_since": {
      "year": 2022,
      "state": "TX"
    },
    "federal_registration": null
  }
}