{
  "canonical_url": "https://lendb.ai/lo/vickie-ratliff-1929205",
  "loan_officer": {
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    "slug": "vickie-ratliff-1929205",
    "canonical_url": "https://lendb.ai/lo/vickie-ratliff-1929205",
    "md_url": "https://lendb.ai/lo/vickie-ratliff-1929205.md",
    "json_url": "https://lendb.ai/lo/vickie-ratliff-1929205.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1929205",
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      "source": "lender_site",
      "source_url": "https://www.leaderonefinancial.com/mlo/vickie-ratliff",
      "verified_at": "2026-10-09"
    },
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    "last_name": "Ratliff",
    "headshot_url": {
      "value": "https://cdn.prod.website-files.com/695e62c5afd947215e7a7d42/69653097f95efee35eec26f3_OX3B-mwGJdvRFVpEHaAMMCmITZ0EI-wO7nsvtVnBmzg.jpeg",
      "source": "lender_site",
      "source_url": "https://www.leaderonefinancial.com/mlo/vickie-ratliff",
      "verified_at": "2026-10-09"
    },
    "bio": {
      "value": "Vickie Ratliff has over 20 years of experience in the mortgage, banking and real estate industry, dedicated to helping individuals and families achieve homeownership. As a loan originator and small business owner, they specialize in personalized guidance and solutions-driven service for first-time buyers and seasoned investors.",
      "source": "lender_site",
      "source_url": "https://www.leaderonefinancial.com/mlo/vickie-ratliff",
      "verified_at": "2026-10-09"
    },
    "title": {
      "value": "Loan Officer",
      "source": "lender_site",
      "source_url": "https://www.leaderonefinancial.com/mlo/vickie-ratliff",
      "verified_at": "2026-10-09"
    },
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      "source": "lender_site",
      "source_url": "https://www.leaderonefinancial.com/mlo/vickie-ratliff",
      "verified_at": "2026-10-09"
    },
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      "source": "lender_site",
      "source_url": "https://www.leaderonefinancial.com/mlo/vickie-ratliff",
      "verified_at": "2026-10-09"
    },
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    "claimed_at": null,
    "profile_completeness": 85,
    "current_employment": {
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      "lender_name": "LeaderOne Financial",
      "lender_slug": "leaderone-financial-12007",
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      "branch_state": "KS",
      "branch_zip": "66210",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://www.leaderonefinancial.com/mlo/vickie-ratliff",
      "lender_type": "imb",
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      "source_url": "https://www.leaderonefinancial.com/mlo/vickie-ratliff",
      "verified_at": "2026-10-09"
    },
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        "lender_slug": "leaderone-financial-12007",
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        "branch_zip": "66210",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://www.leaderonefinancial.com/mlo/vickie-ratliff",
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        "source": "lender_site",
        "source_url": "https://www.leaderonefinancial.com/mlo/vickie-ratliff",
        "verified_at": "2026-10-09"
      }
    ],
    "licenses": [
      {
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        "license_type": "state_license",
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        "status": "active",
        "issued_at": "2025-10-06",
        "source": "state_regulator",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip",
        "verified_at": "2026-10-09",
        "confidence": "confirmed"
      }
    ],
    "specialties": [
      {
        "slug": "first-time-buyer",
        "label": "First-time buyer",
        "evidence": "lender_page_text",
        "confidence": 0.7,
        "source": "lender_site",
        "source_url": "https://www.leaderonefinancial.com/mlo/vickie-ratliff",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "investor",
        "label": "Real estate investor",
        "evidence": "lender_page_text",
        "confidence": 0.7,
        "source": "lender_site",
        "source_url": "https://www.leaderonefinancial.com/mlo/vickie-ratliff",
        "verified_at": "2026-10-09"
      }
    ],
    "contacts": [
      {
        "kind": "linkedin_url",
        "value": "https://www.linkedin.com/in/vickie-ratliff-bb006625/",
        "source": "lender_site",
        "source_url": "https://www.leaderonefinancial.com/mlo/vickie-ratliff",
        "verified_at": "2026-10-09"
      }
    ],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "20",
        "source": "lender_site",
        "source_url": "https://www.leaderonefinancial.com/mlo/vickie-ratliff",
        "verified_at": "2026-10-09"
      },
      {
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        "value": "small business owner",
        "source": "lender_site",
        "source_url": "https://www.leaderonefinancial.com/mlo/vickie-ratliff",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "credential",
        "value": "100% satisfaction rating",
        "source": "lender_site",
        "source_url": "https://www.leaderonefinancial.com/mlo/vickie-ratliff",
        "verified_at": "2026-10-09"
      }
    ],
    "last_verified_at": "2026-10-09",
    "updated_at": "2026-10-10 08:17:26.600597+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/vickie-ratliff-1929205#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.leaderonefinancial.com/mlo/vickie-ratliff",
      "verified_at": "2026-10-09"
    },
    "licensed_since": {
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    },
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  }
}